Prairie Sun 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.21 percentage points higher than in Q1 2026, at 92.12%. Prairie Sun Bank ranks 76th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 87.84% (Q2 2026). Prairie Sun Bank reported 87.84% on loan-to-deposit ratio for Q2 2026, 7.00 points above 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 | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.4M |
| 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 | $710K |
| Other borrowed money | $2.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.84% |
| Net loans and leases to deposits | 86.16% |
| Loans and leases to core deposits | 92.12% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 6.92% |
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 | 82.32% | 88.72% | $391K | $24.2M |
| Q4 2023 | 78.52% | 89.21% | $200K | $19.5M |
| Q1 2024 | 83.56% | 88.32% | $0 | $16.6M |
| Q2 2024 | 87.95% | 88.42% | $350K | $17.9M |
| Q3 2024 | 86.76% | 90.25% | $683K | $15.7M |
| Q4 2024 | 83.49% | 89.80% | $0 | $10.0M |
| Q1 2025 | 85.52% | 96.32% | $580K | $10.3M |
| Q2 2025 | 87.59% | 88.90% | $0 | $12.0M |
| Q3 2025 | 88.21% | 89.03% | $0 | $10.0M |
| Q4 2025 | 78.17% | 90.04% | $0 | $0 |
| Q1 2026 | 82.95% | 88.66% | $400K | $0 |
| Q2 2026 | 87.84% | 88.43% | $710K | $2.8M |
Prairie Sun Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie Sun 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 Prairie Sun Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8207) · FFIEC NIC profile (RSSD 960551)