Stearns Bank N.A.: 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 Loans and leases to core deposits: 6.74 percentage points higher than in Q1 2026, at 127.30%. On loan-to-deposit ratio, Stearns Bank N.A. ranks 7th highest among the 221 banks headquartered in Minnesota, at 118.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Stearns Bank N.A. sits 30.02 points higher, at 118.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $226.4M |
| Cash and noninterest-bearing balances to assets | 6.92% |
| Cash and securities | $341.6M |
| 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 | $50.0M |
| Other borrowed money | $223.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 118.22% |
| Net loans and leases to deposits | 114.76% |
| Loans and leases to core deposits | 127.30% |
| Core deposits to total deposits | 46.83% |
| Brokered deposits to total deposits | 46.04% |
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 | 109.37% | 68.22% | $55.5M | $0 |
| Q4 2023 | 115.69% | 68.00% | $12.9M | $250.0M |
| Q1 2024 | 113.00% | 65.34% | $58.2M | $147.0M |
| Q2 2024 | 112.47% | 61.44% | $51.3M | $225.5M |
| Q3 2024 | 108.96% | 49.59% | $1.6M | $185.0M |
| Q4 2024 | 107.67% | 54.92% | $2.7M | $0 |
| Q1 2025 | 115.29% | 50.15% | $2.3M | $77.5M |
| Q2 2025 | 110.14% | 47.06% | $460K | $111.5M |
| Q3 2025 | 116.31% | 52.27% | $2.3M | $201.4M |
| Q4 2025 | 113.83% | 52.46% | $0 | $111.4M |
| Q1 2026 | 113.05% | 50.39% | $0 | $166.0M |
| Q2 2026 | 118.22% | 46.83% | $50.0M | $223.0M |
Stearns Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stearns Bank N.A., 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 Stearns Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10988) · FFIEC NIC profile (RSSD 141556)