Alliance 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 Loans and leases to core deposits: 11.52 percentage points lower than in Q1 2026, at 93.43%. Within Wisconsin, Alliance Bank is 73rd of 153 on loan-to-deposit ratio, 89.94% as of Q2 2026, above the middle of the field. Alliance Bank reported 89.94% on loan-to-deposit ratio for Q2 2026, 9.10 points above 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 | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.4M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 1.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.94% |
| Net loans and leases to deposits | 88.87% |
| Loans and leases to core deposits | 93.43% |
| Core deposits to total deposits | 96.26% |
| 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 | 72.24% | 96.50% | $0 | $10.2M |
| Q4 2023 | 76.40% | 96.36% | $0 | $10.2M |
| Q1 2024 | 78.78% | 96.35% | $0 | $10.2M |
| Q2 2024 | 81.69% | 96.20% | $0 | $13.7M |
| Q3 2024 | 87.07% | 96.07% | $0 | $16.7M |
| Q4 2024 | 91.45% | 96.42% | $1.8M | $19.7M |
| Q1 2025 | 91.66% | 96.29% | $0 | $19.7M |
| Q2 2025 | 95.43% | 95.23% | $0 | $22.1M |
| Q3 2025 | 98.52% | 95.39% | $0 | $22.1M |
| Q4 2025 | 94.58% | 95.51% | $0 | $22.1M |
| Q1 2026 | 100.09% | 95.37% | $0 | $25.0M |
| Q2 2026 | 89.94% | 96.26% | $0 | $25.0M |
Alliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12511) · FFIEC NIC profile (RSSD 21658)