Park 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.
Cash and balances due from depository institutions climbed 38.3% in Q2 2026, from $77.3M to $106.9M. It was the largest change from Q1 2026 among the key lines here. Park State Bank ranks 136th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 74.88% (Q2 2026). Park State Bank reported 74.88% on loan-to-deposit ratio for Q2 2026, 13.32 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $106.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $528.8M |
| 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 | $134.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.88% |
| Net loans and leases to deposits | 74.09% |
| Loans and leases to core deposits | 80.32% |
| Core deposits to total deposits | 74.38% |
| Brokered deposits to total deposits | 18.84% |
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 | 83.84% | 83.83% | $0 | $64.1M |
| Q4 2023 | 79.98% | 77.94% | $0 | $15.6M |
| Q1 2024 | 73.24% | 68.57% | $0 | $22.1M |
| Q2 2024 | 75.58% | 70.33% | $0 | $96.6M |
| Q3 2024 | 76.34% | 72.27% | $0 | $102.5M |
| Q4 2024 | 70.27% | 66.28% | $0 | $15.0M |
| Q1 2025 | 71.27% | 67.63% | $0 | $42.9M |
| Q2 2025 | 75.40% | 71.32% | $0 | $100.9M |
| Q3 2025 | 73.96% | 71.73% | $0 | $93.9M |
| Q4 2025 | 73.41% | 73.51% | $0 | $115.0M |
| Q1 2026 | 76.10% | 74.26% | $0 | $118.9M |
| Q2 2026 | 74.88% | 74.38% | $0 | $134.4M |
Park State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Park 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 Park State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8851) · FFIEC NIC profile (RSSD 286457)