United Minnesota 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.82 percentage points higher than in Q1 2026, at 98.26%. United Minnesota Bank ranks 87th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 85.67% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. United Minnesota Bank sits 18.04 points higher, at 85.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.8M |
| 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 | $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 | 85.67% |
| Net loans and leases to deposits | 84.98% |
| Loans and leases to core deposits | 98.26% |
| Core deposits to total deposits | 87.18% |
| Brokered deposits to total deposits | 3.81% |
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 | 67.16% | 98.35% | $0 | $0 |
| Q4 2023 | 68.11% | 98.31% | $0 | $0 |
| Q1 2024 | 68.00% | 98.31% | $0 | $0 |
| Q2 2024 | 68.52% | 95.69% | $0 | $0 |
| Q3 2024 | 73.71% | 95.46% | $0 | $0 |
| Q4 2024 | 74.61% | 95.55% | $0 | $0 |
| Q1 2025 | 74.98% | 96.17% | $0 | $0 |
| Q2 2025 | 77.25% | 96.21% | $0 | $0 |
| Q3 2025 | 84.29% | 94.28% | $0 | $0 |
| Q4 2025 | 82.73% | 91.46% | $0 | $0 |
| Q1 2026 | 84.48% | 90.42% | $0 | $0 |
| Q2 2026 | 85.67% | 87.18% | $0 | $0 |
United Minnesota Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Minnesota 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 Minnesota Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10567) · FFIEC NIC profile (RSSD 842853)