Sterling State Bank: 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 climbed 85.7% in Q2 2026, from $7.9M to $14.6M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Sterling State Bank is 85th of 221 on loan-to-deposit ratio, 85.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Sterling State Bank sits 5.26 points higher, at 85.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | 3.17% |
| Cash and securities | $140.4M |
| 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 | $60.7M |
| 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 | 85.81% |
| Net loans and leases to deposits | 84.81% |
| Loans and leases to core deposits | 104.58% |
| Core deposits to total deposits | 82.05% |
| 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 | 75.59% | 91.17% | $124.8M | $0 |
| Q4 2023 | 70.91% | 92.12% | $137.1M | $0 |
| Q1 2024 | 74.14% | 91.93% | $135.0M | $0 |
| Q2 2024 | 83.03% | 90.86% | $142.6M | $0 |
| Q3 2024 | 81.78% | 87.13% | $145.0M | $0 |
| Q4 2024 | 82.63% | 88.42% | $82.0M | $18.2M |
| Q1 2025 | 82.84% | 87.27% | $62.6M | $54.0M |
| Q2 2025 | 87.48% | 87.80% | $59.0M | $79.0M |
| Q3 2025 | 85.39% | 86.56% | $60.9M | $26.0M |
| Q4 2025 | 86.68% | 87.72% | $70.0M | $9.0M |
| Q1 2026 | 86.37% | 83.64% | $51.2M | $6.0M |
| Q2 2026 | 85.81% | 82.05% | $60.7M | $0 |
Sterling State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling State Bank, 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 Sterling State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17863) · FFIEC NIC profile (RSSD 144155)