Northview Bank: 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: 6.61 percentage points higher than in Q1 2026, at 103.31%. Northview Bank ranks 40th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 97.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Northview Bank sits 16.73 points higher, at 97.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.7M |
| 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 | $24.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.28% |
| Net loans and leases to deposits | 96.03% |
| Loans and leases to core deposits | 103.31% |
| Core deposits to total deposits | 94.17% |
| 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 | 79.47% | 95.28% | $0 | $15.0M |
| Q4 2023 | 81.50% | 95.18% | $0 | $23.5M |
| Q1 2024 | 85.69% | 95.56% | $0 | $35.5M |
| Q2 2024 | 87.12% | 95.08% | $0 | $37.0M |
| Q3 2024 | 85.39% | 94.49% | $0 | $34.0M |
| Q4 2024 | 88.00% | 94.28% | $0 | $33.0M |
| Q1 2025 | 88.12% | 94.80% | $0 | $33.0M |
| Q2 2025 | 89.74% | 94.35% | $0 | $30.0M |
| Q3 2025 | 90.28% | 94.56% | $0 | $30.0M |
| Q4 2025 | 91.11% | 94.31% | $0 | $27.5M |
| Q1 2026 | 91.17% | 94.28% | $0 | $24.5M |
| Q2 2026 | 97.28% | 94.17% | $0 | $24.5M |
Northview Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northview Bank, 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 Northview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10956) · FFIEC NIC profile (RSSD 16551)