Produce 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.
Fed funds sold and reverse repos dropped 25.5% in Q2 2026, from $2.2M to $1.6M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Produce State Bank is 176th of 221 on loan-to-deposit ratio, 63.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Produce State Bank sits 17.57 points lower, at 63.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.7M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 1.51% |
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 | 63.27% |
| Net loans and leases to deposits | 62.59% |
| Loans and leases to core deposits | 64.60% |
| Core deposits to total deposits | 97.94% |
| 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 | 49.67% | 98.81% | $0 | $0 |
| Q4 2023 | 51.50% | 98.83% | $0 | $0 |
| Q1 2024 | 50.55% | 98.79% | $0 | $0 |
| Q2 2024 | 53.33% | 98.77% | $200K | $0 |
| Q3 2024 | 54.72% | 98.74% | $0 | $0 |
| Q4 2024 | 55.29% | 98.81% | $0 | $0 |
| Q1 2025 | 53.52% | 98.09% | $0 | $0 |
| Q2 2025 | 56.65% | 98.28% | $0 | $0 |
| Q3 2025 | 57.06% | 97.49% | $0 | $0 |
| Q4 2025 | 57.16% | 97.40% | $0 | $0 |
| Q1 2026 | 62.51% | 98.01% | $0 | $0 |
| Q2 2026 | 63.27% | 97.94% | $0 | $0 |
Produce State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Produce 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 Produce State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10178) · FFIEC NIC profile (RSSD 24659)