The State Bank of Faribault: 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 Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within Minnesota, The State Bank of Faribault is 186th of 221 on loan-to-deposit ratio, 59.51% as of Q2 2026, below the middle of the field. The State Bank of Faribault reported 59.51% on loan-to-deposit ratio for Q2 2026, 21.33 points below 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 | $22.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.9M |
| 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 | $56K |
| 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 | 59.51% |
| Net loans and leases to deposits | 58.35% |
| Loans and leases to core deposits | 61.65% |
| Core deposits to total deposits | 94.21% |
| Brokered deposits to total deposits | 2.32% |
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 | 56.34% | 96.47% | $0 | $0 |
| Q4 2023 | 56.09% | 97.50% | $0 | $0 |
| Q1 2024 | 56.62% | 97.66% | $0 | $0 |
| Q2 2024 | 58.03% | 97.12% | $0 | $0 |
| Q3 2024 | 59.04% | 97.30% | $0 | $0 |
| Q4 2024 | 59.10% | 98.09% | $0 | $0 |
| Q1 2025 | 58.83% | 97.85% | $0 | $0 |
| Q2 2025 | 61.24% | 95.67% | $0 | $0 |
| Q3 2025 | 59.10% | 95.09% | $0 | $0 |
| Q4 2025 | 62.37% | 95.06% | $0 | $5.0M |
| Q1 2026 | 61.07% | 94.54% | $0 | $0 |
| Q2 2026 | 59.51% | 94.21% | $56K | $0 |
The State Bank of Faribault liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Faribault, 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 The State Bank of Faribault profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1610) · FFIEC NIC profile (RSSD 46053)