State Bank of Cold Spring: 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 Core deposits to total deposits: 1.34 percentage points lower than in Q1 2026, at 98.30%. Within Minnesota, State Bank of Cold Spring is 174th of 221 on loan-to-deposit ratio, 64.38% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. State Bank of Cold Spring sits 3.54 points lower, at 64.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.0M |
| 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 | $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 | 64.38% |
| Net loans and leases to deposits | 63.93% |
| Loans and leases to core deposits | 65.50% |
| Core deposits to total deposits | 98.30% |
| 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 | 44.92% | 92.08% | $500K | $0 |
| Q4 2023 | 45.32% | 94.02% | $0 | $0 |
| Q1 2024 | 49.69% | 95.54% | $0 | $0 |
| Q2 2024 | 49.73% | 96.47% | $0 | $0 |
| Q3 2024 | 54.80% | 95.62% | $0 | $0 |
| Q4 2024 | 52.14% | 95.15% | $0 | $0 |
| Q1 2025 | 54.78% | 97.30% | $0 | $0 |
| Q2 2025 | 55.63% | 97.13% | $0 | $0 |
| Q3 2025 | 59.36% | 97.13% | $0 | $0 |
| Q4 2025 | 61.71% | 99.64% | $0 | $0 |
| Q1 2026 | 64.40% | 99.64% | $0 | $0 |
| Q2 2026 | 64.38% | 98.30% | $0 | $0 |
State Bank of Cold Spring 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 Cold Spring, 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 Cold Spring profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12444) · FFIEC NIC profile (RSSD 116358)