Profinium, Inc.: 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: 3.68 percentage points lower than in Q1 2026, at 92.48%. Within Minnesota, Profinium, Inc. is 81st of 221 on loan-to-deposit ratio, 86.57% as of Q2 2026. Profinium, Inc. reported 86.57% on loan-to-deposit ratio for Q2 2026, 6.02 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.0M |
| 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 | $26.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.57% |
| Net loans and leases to deposits | 85.46% |
| Loans and leases to core deposits | 92.48% |
| Core deposits to total deposits | 91.77% |
| Brokered deposits to total deposits | 1.83% |
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 | 90.63% | 90.36% | $26K | $31.8M |
| Q4 2023 | 95.32% | 89.23% | $25.0M | $28.2M |
| Q1 2024 | 91.71% | 89.10% | $5.0M | $28.2M |
| Q2 2024 | 91.00% | 88.49% | $5.0M | $28.2M |
| Q3 2024 | 91.55% | 89.09% | $0 | $28.2M |
| Q4 2024 | 89.77% | 88.96% | $12K | $30.6M |
| Q1 2025 | 90.65% | 88.38% | $0 | $31.7M |
| Q2 2025 | 92.61% | 88.67% | $17K | $31.7M |
| Q3 2025 | 91.70% | 87.93% | $25K | $31.7M |
| Q4 2025 | 88.73% | 87.68% | $72K | $26.0M |
| Q1 2026 | 87.27% | 88.89% | $0 | $26.0M |
| Q2 2026 | 86.57% | 91.77% | $0 | $26.0M |
Profinium, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Profinium, Inc., 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 Profinium, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1905) · FFIEC NIC profile (RSSD 865450)