Versabank USA, N.A.: 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.
Brokered deposits to total deposits climbed 10.25 percentage points in Q2 2026, from 89.75% to 100.00%. It was the largest change from Q1 2026 among the key lines here. Versabank USA, N.A. ranks 88th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 85.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Versabank USA, N.A. sits 4.60 points higher, at 85.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $59.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $316.4M |
| 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 | 85.44% |
| Net loans and leases to deposits | 85.44% |
| Loans and leases to core deposits | 85.44% |
| Core deposits to total deposits | 0.00% |
| Brokered deposits to total deposits | 100.00% |
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 | 117.34% | 92.94% | $0 | $0 |
| Q4 2023 | 114.44% | 92.05% | $0 | $0 |
| Q1 2024 | 115.63% | 92.07% | $0 | $0 |
| Q2 2024 | 117.86% | 91.90% | $0 | $0 |
| Q3 2024 | 85.19% | 92.39% | $0 | $0 |
| Q4 2024 | 68.26% | 93.21% | $0 | $0 |
| Q1 2025 | 164.53% | 92.38% | $0 | $0 |
| Q2 2025 | 116.54% | 95.46% | $0 | $0 |
| Q3 2025 | 159.09% | 49.94% | $0 | $0 |
| Q4 2025 | 72.96% | 9.65% | $0 | $0 |
| Q1 2026 | 84.82% | 9.36% | $0 | $0 |
| Q2 2026 | 85.44% | 0.00% | $0 | $0 |
Versabank USA, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Versabank USA, N.A., 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 Versabank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10160) · FFIEC NIC profile (RSSD 1011656)