Pioneer 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.
Loan-to-deposit ratio climbed 3.02 percentage points in Q2 2026, from 82.05% to 85.07%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Pioneer Bank is 91st of 221 on loan-to-deposit ratio, 85.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Pioneer Bank sits 4.13 points higher, at 85.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $189.0M |
| Fed funds sold and reverse repos | $22.4M |
| Fed funds sold and reverse repos to assets | 2.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.07% |
| Net loans and leases to deposits | 84.21% |
| Loans and leases to core deposits | 89.79% |
| Core deposits to total deposits | 90.19% |
| Brokered deposits to total deposits | 4.56% |
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 | 77.15% | 93.47% | $0 | $10.9M |
| Q4 2023 | 75.99% | 92.67% | $0 | $10.9M |
| Q1 2024 | 76.54% | 91.75% | $0 | $10.7M |
| Q2 2024 | 80.19% | 90.26% | $0 | $10.7M |
| Q3 2024 | 76.27% | 90.00% | $0 | $10.7M |
| Q4 2024 | 75.52% | 91.04% | $0 | $10.7M |
| Q1 2025 | 77.89% | 90.44% | $0 | $10.6M |
| Q2 2025 | 85.21% | 90.49% | $0 | $35.6M |
| Q3 2025 | 87.44% | 88.69% | $0 | $25.6M |
| Q4 2025 | 81.42% | 89.62% | $0 | $25.6M |
| Q1 2026 | 82.05% | 89.74% | $0 | $25.5M |
| Q2 2026 | 85.07% | 90.19% | $0 | $25.5M |
Pioneer Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer 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 Pioneer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5193) · FFIEC NIC profile (RSSD 920854)