Pine River 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.
Loans and leases to core deposits climbed 1.56 percentage points in Q2 2026, from 64.26% to 65.82%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Pine River State Bank is 178th of 221 on loan-to-deposit ratio, 62.85% as of Q2 2026, below the middle of the field. Pine River State Bank reported 62.85% on loan-to-deposit ratio for Q2 2026, 17.99 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 | $19.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.6M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 1.42% |
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 | 62.85% |
| Net loans and leases to deposits | 62.15% |
| Loans and leases to core deposits | 65.82% |
| Core deposits to total deposits | 95.49% |
| 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 | 60.68% | 96.56% | $0 | $11.6M |
| Q4 2023 | 63.43% | 96.57% | $0 | $6.5M |
| Q1 2024 | 66.23% | 96.40% | $0 | $6.5M |
| Q2 2024 | 63.60% | 96.48% | $0 | $3.5M |
| Q3 2024 | 61.51% | 95.39% | $0 | $3.5M |
| Q4 2024 | 61.40% | 95.29% | $0 | $0 |
| Q1 2025 | 64.73% | 94.91% | $0 | $0 |
| Q2 2025 | 61.71% | 95.47% | $0 | $0 |
| Q3 2025 | 60.22% | 95.35% | $0 | $0 |
| Q4 2025 | 58.01% | 95.29% | $0 | $0 |
| Q1 2026 | 61.37% | 95.50% | $0 | $0 |
| Q2 2026 | 62.85% | 95.49% | $0 | $0 |
Pine River State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pine River 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 Pine River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10194) · FFIEC NIC profile (RSSD 729057)