Odin State 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: 8.72 percentage points lower than in Q1 2026, at 89.50%. Odin State Bank ranks 114th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 80.60% (Q2 2026). Odin State Bank reported 80.60% on loan-to-deposit ratio for Q2 2026, 13.28 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.6M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 2.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $597K |
| 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 | 80.60% |
| Net loans and leases to deposits | 79.75% |
| Loans and leases to core deposits | 89.50% |
| Core deposits to total deposits | 68.60% |
| Brokered deposits to total deposits | 21.46% |
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 | 94.96% | 79.89% | $3.4M | $1.5M |
| Q4 2023 | 98.36% | 71.31% | $725K | $6.5M |
| Q1 2024 | 93.81% | 68.20% | $727K | $3.5M |
| Q2 2024 | 93.13% | 58.90% | $732K | $2.5M |
| Q3 2024 | 89.50% | 60.56% | $633K | $1.5M |
| Q4 2024 | 92.56% | 59.41% | $631K | $1.5M |
| Q1 2025 | 87.19% | 68.91% | $594K | $0 |
| Q2 2025 | 87.17% | 69.02% | $595K | $0 |
| Q3 2025 | 84.01% | 69.67% | $605K | $0 |
| Q4 2025 | 86.67% | 70.22% | $592K | $0 |
| Q1 2026 | 86.63% | 69.82% | $577K | $0 |
| Q2 2026 | 80.60% | 68.60% | $597K | $0 |
Odin State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Odin State 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 Odin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14574) · FFIEC NIC profile (RSSD 876157)