Star 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: 3.46 percentage points higher than in Q1 2026, at 95.04%. Within Minnesota, Star Bank is 53rd of 221 on loan-to-deposit ratio, 92.88% as of Q2 2026, above the middle of the field. Star Bank reported 92.88% on loan-to-deposit ratio for Q2 2026, 12.04 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 | $41.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $73.4M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.88% |
| Net loans and leases to deposits | 91.88% |
| Loans and leases to core deposits | 95.04% |
| Core deposits to total deposits | 85.38% |
| Brokered deposits to total deposits | 12.36% |
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 | 86.88% | 93.00% | $0 | $9.0M |
| Q4 2023 | 89.77% | 92.43% | $0 | $9.0M |
| Q1 2024 | 88.05% | 87.78% | $0 | $9.0M |
| Q2 2024 | 89.95% | 83.05% | $0 | $9.0M |
| Q3 2024 | 94.94% | 83.49% | $0 | $19.0M |
| Q4 2024 | 93.13% | 84.33% | $0 | $15.0M |
| Q1 2025 | 92.90% | 83.11% | $0 | $15.0M |
| Q2 2025 | 96.91% | 81.94% | $0 | $15.0M |
| Q3 2025 | 94.76% | 82.35% | $0 | $15.0M |
| Q4 2025 | 91.69% | 82.80% | $0 | $15.0M |
| Q1 2026 | 89.61% | 84.11% | $0 | $15.0M |
| Q2 2026 | 92.88% | 85.38% | $0 | $15.0M |
Star Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Star 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 Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5095) · FFIEC NIC profile (RSSD 715050)