State Bank of Taunton: 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.
Net loans and leases to deposits climbed 2.13 percentage points in Q2 2026, from 68.22% to 70.35%. It was the largest change from Q1 2026 among the key lines here. State Bank of Taunton ranks 156th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 71.43% (Q2 2026). State Bank of Taunton reported 71.43% on loan-to-deposit ratio for Q2 2026, 3.80 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.0M |
| Fed funds sold and reverse repos | $6.6M |
| Fed funds sold and reverse repos to assets | 14.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.43% |
| Net loans and leases to deposits | 70.35% |
| Loans and leases to core deposits | 72.47% |
| Core deposits to total deposits | 98.56% |
| 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 | 80.60% | 99.27% | $0 | $2.6M |
| Q4 2023 | 75.48% | 95.63% | $0 | $2.6M |
| Q1 2024 | 75.69% | 95.78% | $0 | $4.5M |
| Q2 2024 | 83.63% | 99.23% | $0 | $4.5M |
| Q3 2024 | 80.57% | 94.05% | $0 | $4.5M |
| Q4 2024 | 85.83% | 94.80% | $0 | $4.5M |
| Q1 2025 | 87.64% | 94.90% | $0 | $4.5M |
| Q2 2025 | 85.32% | 94.72% | $0 | $4.5M |
| Q3 2025 | 77.54% | 94.53% | $0 | $4.5M |
| Q4 2025 | 65.61% | 94.75% | $0 | $4.5M |
| Q1 2026 | 69.86% | 98.58% | $0 | $4.4M |
| Q2 2026 | 71.43% | 98.56% | $0 | $4.4M |
State Bank of Taunton 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 Taunton, 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 Taunton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16906) · FFIEC NIC profile (RSSD 205458)