Vantage 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 Fed funds sold and reverse repos: 66.4% lower than in Q1 2026, at $1.1M. Among 221 Minnesota banks, Vantage Bank sits 22nd from the top on loan-to-deposit ratio, 105.18% as of Q2 2026. Vantage Bank's loan-to-deposit ratio of 105.18% is well above the 67.32% median for banks in the < $100M asset tier, a gap of 37.85 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.9M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 1.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.18% |
| Net loans and leases to deposits | 104.02% |
| Loans and leases to core deposits | 117.27% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 0.65% |
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 | 96.10% | 92.07% | $300K | $0 |
| Q4 2023 | 93.35% | 91.27% | $0 | $0 |
| Q1 2024 | 98.55% | 89.92% | $200K | $0 |
| Q2 2024 | 117.18% | 90.27% | $6.9M | $0 |
| Q3 2024 | 114.01% | 87.57% | $5.9M | $0 |
| Q4 2024 | 110.55% | 87.30% | $3.8M | $0 |
| Q1 2025 | 114.24% | 88.62% | $5.2M | $0 |
| Q2 2025 | 114.03% | 85.42% | $6.8M | $0 |
| Q3 2025 | 113.03% | 89.50% | $5.0M | $0 |
| Q4 2025 | 106.12% | 87.69% | $350K | $0 |
| Q1 2026 | 101.08% | 90.51% | $0 | $0 |
| Q2 2026 | 105.18% | 89.04% | $0 | $2.0M |
Vantage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage 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 Vantage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9733) · FFIEC NIC profile (RSSD 58355)