State Bank of New Richland: 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.
Core deposits to total deposits dropped 9.26 percentage points in Q2 2026, from 86.07% to 76.81%. It was the largest change from Q1 2026 among the key lines here. State Bank of New Richland has the highest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, 136.06% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, State Bank of New Richland reported 136.06% on loan-to-deposit ratio in Q2 2026, 55.12 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.3M |
| Fed funds sold and reverse repos | $864K |
| Fed funds sold and reverse repos to assets | 0.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $29.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 23.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 136.06% |
| Net loans and leases to deposits | 134.85% |
| Loans and leases to core deposits | 146.33% |
| Core deposits to total deposits | 76.81% |
| Brokered deposits to total deposits | 16.17% |
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 | 142.68% | 87.38% | $0 | $30.9M |
| Q4 2023 | 136.58% | 82.97% | $0 | $29.3M |
| Q1 2024 | 130.74% | 83.44% | $0 | $23.5M |
| Q2 2024 | 144.58% | 82.67% | $0 | $34.0M |
| Q3 2024 | 142.87% | 80.46% | $364K | $31.8M |
| Q4 2024 | 146.75% | 80.76% | $0 | $38.4M |
| Q1 2025 | 132.17% | 79.59% | $0 | $27.2M |
| Q2 2025 | 147.24% | 82.83% | $0 | $35.0M |
| Q3 2025 | 132.65% | 77.76% | $0 | $27.2M |
| Q4 2025 | 133.03% | 94.83% | $0 | $28.7M |
| Q1 2026 | 144.42% | 86.07% | $826K | $32.7M |
| Q2 2026 | 136.06% | 76.81% | $0 | $29.2M |
State Bank of New Richland 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 New Richland, 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 New Richland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9735) · FFIEC NIC profile (RSSD 874452)