State Bank of Lake Park: 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 Cash and balances due from depository institutions: 16.4% higher than in Q1 2026, at $4.4M. State Bank of Lake Park ranks 181st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 61.80% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. State Bank of Lake Park sits 5.82 points lower, at 61.80% (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 | $20.5M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 2.77% |
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 | 61.80% |
| Net loans and leases to deposits | 60.72% |
| Loans and leases to core deposits | 65.88% |
| Core deposits to total deposits | 93.81% |
| 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 | 59.28% | 94.34% | $0 | $0 |
| Q4 2023 | 58.15% | 91.85% | $0 | $0 |
| Q1 2024 | 58.13% | 93.19% | $0 | $1.2M |
| Q2 2024 | 62.67% | 93.37% | $835K | $1.0M |
| Q3 2024 | 61.75% | 89.99% | $150K | $500K |
| Q4 2024 | 60.81% | 88.96% | $0 | $0 |
| Q1 2025 | 59.01% | 92.98% | $0 | $0 |
| Q2 2025 | 58.79% | 93.65% | $75K | $0 |
| Q3 2025 | 61.37% | 94.12% | $325K | $0 |
| Q4 2025 | 62.06% | 93.12% | $75K | $0 |
| Q1 2026 | 62.02% | 93.09% | $0 | $0 |
| Q2 2026 | 61.80% | 93.81% | $0 | $0 |
State Bank of Lake Park 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 Lake Park, 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 Lake Park profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9351) · FFIEC NIC profile (RSSD 912756)