Western National Bank of Cass Lake: 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 Loans and leases to core deposits: 6.54 percentage points higher than in Q1 2026, at 46.20%. On loan-to-deposit ratio, Western National Bank of Cass Lake is 13th from the bottom among 221 Minnesota banks, 44.03% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Western National Bank of Cass Lake sits 23.59 points lower, at 44.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.4M |
| 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 | 44.03% |
| Net loans and leases to deposits | 43.48% |
| Loans and leases to core deposits | 46.20% |
| Core deposits to total deposits | 85.19% |
| Brokered deposits to total deposits | 10.11% |
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 | 38.45% | 94.61% | $0 | $0 |
| Q4 2023 | 29.85% | 95.75% | $0 | $0 |
| Q1 2024 | 39.17% | 94.59% | $0 | $0 |
| Q2 2024 | 33.04% | 95.46% | $0 | $0 |
| Q3 2024 | 36.27% | 96.12% | $0 | $0 |
| Q4 2024 | 40.38% | 95.68% | $0 | $0 |
| Q1 2025 | 43.08% | 95.34% | $1.2M | $0 |
| Q2 2025 | 40.10% | 74.18% | $0 | $0 |
| Q3 2025 | 41.26% | 75.50% | $0 | $0 |
| Q4 2025 | 36.17% | 82.74% | $0 | $0 |
| Q1 2026 | 37.51% | 82.33% | $0 | $0 |
| Q2 2026 | 44.03% | 85.19% | $0 | $0 |
Western National Bank of Cass Lake liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank of Cass Lake, 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 Western National Bank of Cass Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)