Ultima Bank Minnesota: 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.
Other borrowed money climbed 1585.7% in Q2 2026, from $1.0M to $17.6M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Ultima Bank Minnesota ranks 9th highest among the 221 banks headquartered in Minnesota, at 113.27% (Q2 2026). Ultima Bank Minnesota reported 113.27% on loan-to-deposit ratio for Q2 2026, 32.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.0M |
| 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 | $0 |
| Other borrowed money | $17.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.27% |
| Net loans and leases to deposits | 112.25% |
| Loans and leases to core deposits | 123.39% |
| Core deposits to total deposits | 80.86% |
| Brokered deposits to total deposits | 10.94% |
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 | 103.90% | 81.44% | $0 | $6.0M |
| Q4 2023 | 108.13% | 82.39% | $0 | $8.3M |
| Q1 2024 | 107.96% | 80.91% | $0 | $7.9M |
| Q2 2024 | 112.00% | 77.55% | $0 | $14.4M |
| Q3 2024 | 106.21% | 78.85% | $0 | $1.2M |
| Q4 2024 | 108.58% | 83.36% | $0 | $3.2M |
| Q1 2025 | 107.09% | 78.79% | $0 | $5.1M |
| Q2 2025 | 112.20% | 79.07% | $0 | $13.2M |
| Q3 2025 | 109.61% | 79.40% | $0 | $6.8M |
| Q4 2025 | 105.22% | 79.37% | $0 | $961K |
| Q1 2026 | 106.43% | 80.70% | $0 | $1.0M |
| Q2 2026 | 113.27% | 80.86% | $0 | $17.6M |
Ultima Bank Minnesota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ultima Bank Minnesota, 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 Ultima Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8867) · FFIEC NIC profile (RSSD 225157)