Red River 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 11.53 percentage points higher than in Q1 2026, at 115.63%. Among 221 Minnesota banks, Red River State Bank sits 20th from the top on loan-to-deposit ratio, 107.14% as of Q2 2026. Red River State Bank reported 107.14% on loan-to-deposit ratio for Q2 2026, 26.30 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 | $8.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.9M |
| Fed funds sold and reverse repos | $5.8M |
| Fed funds sold and reverse repos to assets | 5.27% |
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 | 107.14% |
| Net loans and leases to deposits | 105.35% |
| Loans and leases to core deposits | 115.63% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 5.17% |
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 | 105.99% | 96.64% | $0 | $0 |
| Q4 2023 | 98.47% | 92.32% | $0 | $0 |
| Q1 2024 | 106.11% | 91.28% | $0 | $0 |
| Q2 2024 | 106.33% | 91.04% | $0 | $0 |
| Q3 2024 | 106.50% | 90.68% | $0 | $0 |
| Q4 2024 | 100.91% | 87.48% | $0 | $0 |
| Q1 2025 | 96.49% | 87.04% | $0 | $0 |
| Q2 2025 | 105.63% | 89.24% | $0 | $0 |
| Q3 2025 | 106.27% | 89.65% | $0 | $0 |
| Q4 2025 | 101.66% | 89.24% | $0 | $0 |
| Q1 2026 | 97.03% | 87.86% | $0 | $0 |
| Q2 2026 | 107.14% | 87.49% | $0 | $0 |
Red River State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Red River 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 Red River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15820) · FFIEC NIC profile (RSSD 1005655)