Saint Martin National 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 Q3 2026 was in Cash and balances due from depository institutions: 65.3% lower than in Q2 2026, at $1.2M. Within Minnesota, Saint Martin National Bank is 187th of 221 on loan-to-deposit ratio, 59.09% as of Q3 2026, below the middle of the field. Saint Martin National Bank reported 59.09% on loan-to-deposit ratio for Q3 2026, 8.53 points below the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.0M |
| Fed funds sold and reverse repos | $757K |
| Fed funds sold and reverse repos to assets | 2.68% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 59.09% |
| Net loans and leases to deposits | 58.27% |
| Loans and leases to core deposits | 59.09% |
| Core deposits to total deposits | 100.00% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 46.93% | 100.00% | $0 | $0 |
| Q1 2024 | 48.31% | 100.00% | $0 | $0 |
| Q2 2024 | 49.09% | 100.00% | $0 | $0 |
| Q3 2024 | 52.48% | 100.00% | $0 | $0 |
| Q4 2024 | 54.18% | 100.00% | $0 | $0 |
| Q1 2025 | 50.08% | 100.00% | $0 | $0 |
| Q2 2025 | 51.00% | 100.00% | $0 | $0 |
| Q3 2025 | 54.31% | 100.00% | $0 | $0 |
| Q4 2025 | 53.12% | 100.00% | $0 | $0 |
| Q1 2026 | 52.08% | 100.00% | $0 | $0 |
| Q2 2026 | 53.34% | 100.00% | $0 | $0 |
| Q3 2026 | 59.09% | 100.00% | $0 | $0 |
Saint Martin National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Martin National 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 Saint Martin National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18937) · FFIEC NIC profile (RSSD 856159)