State Bank of Easton: 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 97.8% in Q2 2026, from $1.6M to $37K. It was the largest change from Q1 2026 among the key lines here. State Bank of Easton ranks 95th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 84.19% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. State Bank of Easton sits 16.56 points higher, at 84.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.7M |
| Fed funds sold and reverse repos | $37K |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $728K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.19% |
| Net loans and leases to deposits | 82.99% |
| Loans and leases to core deposits | 104.04% |
| Core deposits to total deposits | 80.92% |
| 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 | 63.46% | 84.33% | $0 | $1.6M |
| Q4 2023 | 64.29% | 83.56% | $0 | $1.6M |
| Q1 2024 | 61.32% | 83.72% | $0 | $1.5M |
| Q2 2024 | 70.22% | 83.53% | $661K | $1.5M |
| Q3 2024 | 76.71% | 82.74% | $144K | $2.5M |
| Q4 2024 | 77.48% | 83.49% | $246K | $2.0M |
| Q1 2025 | 68.24% | 84.02% | $0 | $1.5M |
| Q2 2025 | 73.96% | 83.06% | $0 | $985K |
| Q3 2025 | 79.66% | 83.01% | $487K | $983K |
| Q4 2025 | 79.69% | 80.46% | $0 | $981K |
| Q1 2026 | 77.80% | 81.66% | $0 | $979K |
| Q2 2026 | 84.19% | 80.92% | $0 | $728K |
State Bank of Easton 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 Easton, 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 Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16561) · FFIEC NIC profile (RSSD 379050)