Vermillion 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 Loan-to-deposit ratio: 1.76 percentage points higher than in Q1 2026, at 52.54%. Vermillion State Bank has the 23rd lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 52.54% as of Q2 2026. Vermillion State Bank reported 52.54% on loan-to-deposit ratio for Q2 2026, 28.29 points below 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 | $68.8M |
| Cash and noninterest-bearing balances to assets | 7.39% |
| Cash and securities | $496.1M |
| 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 | 52.54% |
| Net loans and leases to deposits | 51.72% |
| Loans and leases to core deposits | 56.28% |
| Core deposits to total deposits | 93.36% |
| 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 | 51.36% | 93.69% | $0 | $0 |
| Q4 2023 | 51.12% | 93.40% | $0 | $0 |
| Q1 2024 | 49.64% | 90.44% | $0 | $0 |
| Q2 2024 | 52.81% | 92.07% | $0 | $0 |
| Q3 2024 | 51.80% | 91.73% | $0 | $0 |
| Q4 2024 | 54.38% | 91.94% | $0 | $0 |
| Q1 2025 | 54.18% | 91.67% | $0 | $0 |
| Q2 2025 | 53.15% | 91.47% | $0 | $0 |
| Q3 2025 | 52.22% | 92.69% | $0 | $0 |
| Q4 2025 | 51.30% | 93.07% | $0 | $0 |
| Q1 2026 | 50.79% | 92.98% | $0 | $0 |
| Q2 2026 | 52.54% | 93.36% | $0 | $0 |
Vermillion State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermillion 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 Vermillion State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10214) · FFIEC NIC profile (RSSD 208057)