Visionbank: 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 Brokered deposits to total deposits: 4.30 percentage points lower than in Q1 2026, at 15.18%. Among 221 Minnesota banks, Visionbank sits 3rd from the top on loan-to-deposit ratio, 122.41% as of Q2 2026. Visionbank's loan-to-deposit ratio of 122.41% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 41.85 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.5M |
| 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 | $43.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.41% |
| Net loans and leases to deposits | 121.39% |
| Loans and leases to core deposits | 145.86% |
| Core deposits to total deposits | 68.74% |
| Brokered deposits to total deposits | 15.18% |
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 | 120.97% | 66.65% | $0 | $37.6M |
| Q4 2023 | 119.77% | 57.00% | $0 | $38.6M |
| Q1 2024 | 127.09% | 55.75% | $0 | $51.1M |
| Q2 2024 | 119.49% | 55.12% | $0 | $51.1M |
| Q3 2024 | 117.46% | 56.54% | $0 | $43.0M |
| Q4 2024 | 121.53% | 59.27% | $0 | $48.5M |
| Q1 2025 | 119.51% | 59.57% | $0 | $43.0M |
| Q2 2025 | 120.83% | 59.16% | $0 | $46.0M |
| Q3 2025 | 111.40% | 63.02% | $0 | $40.0M |
| Q4 2025 | 119.86% | 62.83% | $0 | $41.5M |
| Q1 2026 | 120.76% | 64.81% | $0 | $39.9M |
| Q2 2026 | 122.41% | 68.74% | $0 | $43.9M |
Visionbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank, 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 Visionbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58063) · FFIEC NIC profile (RSSD 3357077)