Saint Clair State Bank (Incorporated): 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: 2.98 percentage points higher than in Q1 2026, at 99.33%. Within Minnesota, Saint Clair State Bank (Incorporated) is 96th of 221 on loan-to-deposit ratio, 84.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Saint Clair State Bank (Incorporated) sits 3.23 points higher, at 84.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.1M |
| Fed funds sold and reverse repos | $11.2M |
| Fed funds sold and reverse repos to assets | 8.31% |
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 | 84.07% |
| Net loans and leases to deposits | 83.03% |
| Loans and leases to core deposits | 99.33% |
| Core deposits to total deposits | 84.64% |
| 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 | 83.42% | 92.54% | $0 | $0 |
| Q4 2023 | 91.18% | 90.02% | $3.5M | $0 |
| Q1 2024 | 86.33% | 89.09% | $0 | $0 |
| Q2 2024 | 90.32% | 88.26% | $0 | $0 |
| Q3 2024 | 88.96% | 88.47% | $0 | $0 |
| Q4 2024 | 87.41% | 88.86% | $0 | $0 |
| Q1 2025 | 83.37% | 87.31% | $0 | $0 |
| Q2 2025 | 84.74% | 86.54% | $0 | $0 |
| Q3 2025 | 81.40% | 84.47% | $0 | $0 |
| Q4 2025 | 85.35% | 86.29% | $0 | $0 |
| Q1 2026 | 82.88% | 86.02% | $0 | $0 |
| Q2 2026 | 84.07% | 84.64% | $0 | $0 |
Saint Clair State Bank (Incorporated) liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Clair State Bank (Incorporated), 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 Saint Clair State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1903) · FFIEC NIC profile (RSSD 854753)