State Bank of Bellingham: 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 Fed funds sold and reverse repos: 12.5% higher than in Q2 2026, at $1.8M. State Bank of Bellingham ranks 189th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 57.83% (Q3 2026). State Bank of Bellingham reported 57.83% on loan-to-deposit ratio for Q3 2026, 9.79 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 | $3.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.5M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 4.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 57.83% |
| Net loans and leases to deposits | 57.08% |
| Loans and leases to core deposits | 70.80% |
| Core deposits to total deposits | 81.69% |
| Brokered deposits to total deposits | 5.30% |
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 | 68.09% | 71.01% | $0 | $6.8M |
| Q1 2024 | 66.98% | 69.49% | $0 | $6.8M |
| Q2 2024 | 66.73% | 69.61% | $0 | $5.2M |
| Q3 2024 | 67.61% | 72.96% | $0 | $5.2M |
| Q4 2024 | 65.96% | 72.05% | $0 | $3.8M |
| Q1 2025 | 59.61% | 72.91% | $0 | $4.2M |
| Q2 2025 | 64.44% | 78.09% | $0 | $3.5M |
| Q3 2025 | 63.87% | 81.76% | $0 | $3.5M |
| Q4 2025 | 61.15% | 80.46% | $0 | $3.5M |
| Q1 2026 | 57.71% | 80.00% | $0 | $3.5M |
| Q2 2026 | 58.84% | 82.61% | $0 | $2.2M |
| Q3 2026 | 57.83% | 81.69% | $0 | $2.2M |
State Bank of Bellingham liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bellingham, 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 State Bank of Bellingham profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17062) · FFIEC NIC profile (RSSD 272058)