Northern State Bank of Thief River Falls: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.28 percentage points lower than in Q1 2026, at 39.90%. On loan-to-deposit ratio, Northern State Bank of Thief River Falls is 8th from the bottom among 221 Minnesota banks, 39.24% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Northern State Bank of Thief River Falls reported 39.24% on loan-to-deposit ratio in Q2 2026, 41.60 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $206.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $348.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $92K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.24% |
| Net loans and leases to deposits | 38.70% |
| Loans and leases to core deposits | 39.90% |
| Core deposits to total deposits | 98.34% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 44.90% | 98.10% | $0 | $68K |
| Q4 2023 | 44.94% | 97.90% | $0 | $78K |
| Q1 2024 | 45.81% | 97.92% | $0 | $57K |
| Q2 2024 | 48.20% | 98.22% | $0 | $86K |
| Q3 2024 | 50.33% | 98.07% | $0 | $81K |
| Q4 2024 | 46.02% | 97.96% | $0 | $95K |
| Q1 2025 | 48.84% | 97.52% | $0 | $95K |
| Q2 2025 | 48.35% | 97.32% | $0 | $95K |
| Q3 2025 | 49.95% | 96.90% | $0 | $61K |
| Q4 2025 | 44.72% | 97.13% | $0 | $79K |
| Q1 2026 | 44.12% | 97.65% | $0 | $65K |
| Q2 2026 | 39.24% | 98.34% | $0 | $92K |
Northern State Bank of Thief River Falls liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State Bank of Thief River Falls, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northern State Bank of Thief River Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15286) · FFIEC NIC profile (RSSD 188056)