Platinum 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 203.2% in Q2 2026, from $7.7M to $23.5M. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Platinum Bank sits 15th from the top on loan-to-deposit ratio, 108.50% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Platinum Bank sits 27.95 points higher, at 108.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.7M |
| 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 | $75.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.50% |
| Net loans and leases to deposits | 107.07% |
| Loans and leases to core deposits | 115.22% |
| Core deposits to total deposits | 91.94% |
| Brokered deposits to total deposits | 2.24% |
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 | 109.66% | 84.13% | $12.1M | $47.3M |
| Q4 2023 | 111.03% | 81.64% | $0 | $66.9M |
| Q1 2024 | 110.51% | 76.09% | $9.8M | $56.7M |
| Q2 2024 | 103.04% | 85.84% | $0 | $66.9M |
| Q3 2024 | 98.61% | 86.45% | $0 | $46.6M |
| Q4 2024 | 103.79% | 87.39% | $0 | $46.4M |
| Q1 2025 | 104.43% | 81.14% | $0 | $46.2M |
| Q2 2025 | 108.07% | 78.68% | $0 | $71.3M |
| Q3 2025 | 103.09% | 84.70% | $0 | $71.1M |
| Q4 2025 | 110.46% | 90.80% | $0 | $75.9M |
| Q1 2026 | 112.26% | 82.85% | $0 | $76.8M |
| Q2 2026 | 108.50% | 91.94% | $0 | $75.4M |
Platinum Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Platinum 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 Platinum Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58511) · FFIEC NIC profile (RSSD 3538009)