Security Bank Minnesota: 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 46.9% in Q3 2026, from $2.3M to $1.2M. It was the largest change from Q2 2026 among the key lines here. Security Bank Minnesota ranks 82nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 86.45% (Q3 2026). Security Bank Minnesota reported 85.38% on loan-to-deposit ratio for Q3 2026, 4.43 points above the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.9M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.86% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $3.0M |
| Other borrowed money | $58K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 85.38% |
| Net loans and leases to deposits | 83.79% |
| Loans and leases to core deposits | 89.98% |
| Core deposits to total deposits | 94.88% |
| 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 | 100.65% | 95.58% | $7.8M | $64K |
| Q1 2024 | 97.55% | 95.94% | $7.5M | $56K |
| Q2 2024 | 97.58% | 95.61% | $7.2M | $82K |
| Q3 2024 | 95.15% | 94.15% | $6.9M | $67K |
| Q4 2024 | 94.56% | 93.85% | $6.4M | $67K |
| Q1 2025 | 86.03% | 93.83% | $6.9M | $56K |
| Q2 2025 | 86.92% | 93.83% | $8.5M | $56K |
| Q3 2025 | 86.56% | 94.47% | $8.7M | $52K |
| Q4 2025 | 86.92% | 94.72% | $7.6M | $76K |
| Q1 2026 | 82.10% | 95.09% | $8.6M | $64K |
| Q2 2026 | 86.45% | 95.32% | $4.4M | $64K |
| Q3 2026 | 85.38% | 94.88% | $3.0M | $58K |
Security Bank Minnesota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Minnesota, 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 Security Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10984) · FFIEC NIC profile (RSSD 295057)