United Bankers' 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.
Fed funds sold and reverse repos climbed 71.7% in Q2 2026, from $25.3M to $43.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, United Bankers' Bank ranks 3rd highest among the 221 banks headquartered in Minnesota, at 122.72% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Bankers' Bank sits 34.52 points higher, at 122.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $149.9M |
| Cash and noninterest-bearing balances to assets | 10.13% |
| Cash and securities | $239.8M |
| Fed funds sold and reverse repos | $43.4M |
| Fed funds sold and reverse repos to assets | 4.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $212.2M |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.72% |
| Net loans and leases to deposits | 120.61% |
| Loans and leases to core deposits | 122.72% |
| Core deposits to total deposits | 61.91% |
| Brokered deposits to total deposits | 38.09% |
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 | 111.00% | 47.66% | $248.7M | $125.0M |
| Q4 2023 | 110.97% | 47.14% | $226.7M | $125.0M |
| Q1 2024 | 109.35% | 55.91% | $229.7M | $100.0M |
| Q2 2024 | 119.20% | 50.37% | $155.0M | $194.0M |
| Q3 2024 | 109.71% | 50.54% | $284.1M | $40.0M |
| Q4 2024 | 106.81% | 51.31% | $398.4M | $40.0M |
| Q1 2025 | 113.42% | 53.61% | $429.2M | $40.0M |
| Q2 2025 | 125.96% | 53.98% | $319.5M | $40.0M |
| Q3 2025 | 130.53% | 54.65% | $341.2M | $40.0M |
| Q4 2025 | 119.75% | 57.05% | $444.9M | $40.0M |
| Q1 2026 | 121.60% | 61.40% | $200.8M | $40.0M |
| Q2 2026 | 122.72% | 61.91% | $212.2M | $40.0M |
United Bankers' Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bankers' 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 United Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22180) · FFIEC NIC profile (RSSD 930358)