Northern State Bank of Virginia: 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 Fed funds sold and reverse repos: 66.0% higher than in Q1 2026, at $4.1M. Northern State Bank of Virginia ranks 116th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 79.86% (Q2 2026). At 79.86%, Northern State Bank of Virginia's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.0M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 4.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.86% |
| Net loans and leases to deposits | 79.21% |
| Loans and leases to core deposits | 83.07% |
| Core deposits to total deposits | 96.14% |
| 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 | 72.41% | 93.93% | $0 | $4.0M |
| Q4 2023 | 76.67% | 95.28% | $0 | $4.0M |
| Q1 2024 | 82.88% | 94.98% | $0 | $8.0M |
| Q2 2024 | 81.73% | 93.03% | $0 | $5.0M |
| Q3 2024 | 77.96% | 92.86% | $0 | $2.5M |
| Q4 2024 | 78.68% | 93.96% | $0 | $2.5M |
| Q1 2025 | 80.28% | 94.67% | $0 | $1.0M |
| Q2 2025 | 77.77% | 94.67% | $0 | $0 |
| Q3 2025 | 77.40% | 95.16% | $0 | $0 |
| Q4 2025 | 79.60% | 96.17% | $0 | $0 |
| Q1 2026 | 78.04% | 96.17% | $0 | $0 |
| Q2 2026 | 79.86% | 96.14% | $0 | $0 |
Northern State Bank of Virginia 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 Virginia, 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 Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19589) · FFIEC NIC profile (RSSD 774253)