United Prairie 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.
Loans and leases to core deposits climbed 8.09 percentage points in Q2 2026, from 100.05% to 108.14%. It was the largest change from Q1 2026 among the key lines here. United Prairie Bank ranks 33rd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 100.65% (Q2 2026). United Prairie Bank reported 100.65% on loan-to-deposit ratio for Q2 2026, 19.82 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 | $15.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $114.0M |
| 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 | $7.5M |
| Other borrowed money | $42.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.65% |
| Net loans and leases to deposits | 99.71% |
| Loans and leases to core deposits | 108.14% |
| Core deposits to total deposits | 92.12% |
| Brokered deposits to total deposits | 0.95% |
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 | 98.05% | 85.64% | $15.0M | $29.9M |
| Q4 2023 | 100.62% | 83.93% | $25.0M | $30.0M |
| Q1 2024 | 101.13% | 84.16% | $15.0M | $38.8M |
| Q2 2024 | 99.74% | 80.98% | $0 | $53.7M |
| Q3 2024 | 97.94% | 82.01% | $0 | $53.7M |
| Q4 2024 | 99.10% | 83.07% | $0 | $48.7M |
| Q1 2025 | 95.41% | 84.69% | $0 | $40.7M |
| Q2 2025 | 98.94% | 86.14% | $0 | $48.7M |
| Q3 2025 | 96.58% | 87.48% | $0 | $43.6M |
| Q4 2025 | 97.36% | 90.09% | $0 | $39.1M |
| Q1 2026 | 93.90% | 89.36% | $0 | $37.8M |
| Q2 2026 | 100.65% | 92.12% | $7.5M | $42.5M |
United Prairie Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Prairie 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 Prairie Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10958) · FFIEC NIC profile (RSSD 712059)