Pine Country 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.
Loans and leases to core deposits climbed 2.95 percentage points in Q2 2026, from 75.05% to 78.01%. It was the largest change from Q1 2026 among the key lines here. Pine Country Bank ranks 144th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 73.05% (Q2 2026). Pine Country Bank reported 73.05% on loan-to-deposit ratio for Q2 2026, 7.79 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.6M |
| 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 | $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 | 73.05% |
| Net loans and leases to deposits | 72.27% |
| Loans and leases to core deposits | 78.01% |
| Core deposits to total deposits | 93.65% |
| 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 | 69.45% | 96.08% | $0 | $4.5M |
| Q4 2023 | 69.95% | 95.23% | $0 | $4.5M |
| Q1 2024 | 72.95% | 94.34% | $0 | $8.5M |
| Q2 2024 | 74.86% | 93.96% | $0 | $8.5M |
| Q3 2024 | 71.96% | 93.58% | $0 | $8.0M |
| Q4 2024 | 69.77% | 93.91% | $0 | $0 |
| Q1 2025 | 66.90% | 92.89% | $0 | $0 |
| Q2 2025 | 66.67% | 92.63% | $0 | $0 |
| Q3 2025 | 67.60% | 92.94% | $0 | $0 |
| Q4 2025 | 70.66% | 93.99% | $0 | $0 |
| Q1 2026 | 70.42% | 93.82% | $0 | $0 |
| Q2 2026 | 73.05% | 93.65% | $0 | $0 |
Pine Country Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pine Country 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 Pine Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13652) · FFIEC NIC profile (RSSD 761459)