State Bank of Jeffers: 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.
Cash and balances due from depository institutions dropped 19.9% in Q2 2026, from $7.1M to $5.7M. It was the largest change from Q1 2026 among the key lines here. State Bank of Jeffers ranks 184th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 61.18% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. State Bank of Jeffers sits 6.44 points lower, at 61.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.6M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 13.48% |
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 | 61.18% |
| Net loans and leases to deposits | 60.35% |
| Loans and leases to core deposits | 64.53% |
| Core deposits to total deposits | 94.81% |
| 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 | 56.07% | 98.47% | $0 | $0 |
| Q4 2023 | 60.53% | 97.57% | $0 | $0 |
| Q1 2024 | 60.50% | 96.61% | $0 | $0 |
| Q2 2024 | 61.29% | 94.69% | $0 | $0 |
| Q3 2024 | 60.06% | 92.87% | $0 | $0 |
| Q4 2024 | 57.76% | 93.94% | $0 | $0 |
| Q1 2025 | 61.63% | 93.04% | $0 | $0 |
| Q2 2025 | 62.21% | 93.81% | $0 | $0 |
| Q3 2025 | 62.09% | 93.79% | $0 | $0 |
| Q4 2025 | 61.85% | 93.78% | $0 | $0 |
| Q1 2026 | 60.51% | 94.90% | $0 | $0 |
| Q2 2026 | 61.18% | 94.81% | $0 | $0 |
State Bank of Jeffers 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 Jeffers, 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 Jeffers profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10200) · FFIEC NIC profile (RSSD 1014255)