Vergas State 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: 30.0% higher than in Q1 2026, at $3.9M. Within Minnesota, Vergas State Bank is 165th of 221 on loan-to-deposit ratio, 68.17% as of Q2 2026, below the middle of the field. At 68.17%, Vergas State Bank's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 6.43% |
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 | 68.17% |
| Net loans and leases to deposits | 67.35% |
| Loans and leases to core deposits | 75.50% |
| Core deposits to total deposits | 90.29% |
| Brokered deposits to total deposits | 0.00% |
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 | 42.23% | 95.95% | $0 | $0 |
| Q4 2023 | 42.90% | 94.93% | $0 | $0 |
| Q1 2024 | 45.79% | 96.00% | $0 | $0 |
| Q2 2024 | 50.37% | 92.25% | $0 | $0 |
| Q3 2024 | 55.16% | 92.70% | $0 | $0 |
| Q4 2024 | 56.47% | 94.28% | $0 | $0 |
| Q1 2025 | 61.49% | 93.57% | $0 | $0 |
| Q2 2025 | 62.81% | 92.50% | $0 | $0 |
| Q3 2025 | 63.21% | 90.73% | $0 | $0 |
| Q4 2025 | 69.30% | 88.24% | $0 | $0 |
| Q1 2026 | 68.72% | 90.21% | $0 | $0 |
| Q2 2026 | 68.17% | 90.29% | $0 | $0 |
Vergas State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vergas State 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 Vergas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9747) · FFIEC NIC profile (RSSD 804150)