Associated Bank, 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.
Fed funds purchased and repos climbed 33.8% in Q2 2026, from $395.7M to $529.3M. It was the largest change from Q1 2026 among the key lines here. Associated Bank, N.A. ranks 66th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 91.17% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Associated Bank, N.A. sits 4.34 points higher, at 91.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.83B |
| Cash and noninterest-bearing balances to assets | 3.51% |
| Cash and securities | $11.72B |
| Fed funds sold and reverse repos | $14.4M |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $529.3M |
| Other borrowed money | $4.97B |
| Subordinated notes and debentures | $250.0M |
| Other borrowed money to assets | 9.60% |
| Trading liabilities | $56.8M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.17% |
| Net loans and leases to deposits | 90.07% |
| Loans and leases to core deposits | 93.68% |
| Core deposits to total deposits | 84.98% |
| Brokered deposits to total deposits | 12.34% |
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 | 94.10% | 85.14% | $451.6M | $4.12B |
| Q4 2023 | 87.62% | 82.71% | $326.8M | $2.25B |
| Q1 2024 | 87.59% | 83.73% | $265.7M | $2.10B |
| Q2 2024 | 90.65% | 83.74% | $359.5M | $3.44B |
| Q3 2024 | 88.90% | 82.93% | $417.0M | $2.86B |
| Q4 2024 | 87.25% | 82.77% | $470.4M | $2.30B |
| Q1 2025 | 86.15% | 82.77% | $311.3M | $2.42B |
| Q2 2025 | 89.81% | 82.86% | $75.6M | $4.27B |
| Q3 2025 | 88.79% | 82.75% | $399.7M | $3.62B |
| Q4 2025 | 87.65% | 83.10% | $307.9M | $3.66B |
| Q1 2026 | 89.06% | 84.64% | $395.7M | $3.82B |
| Q2 2026 | 91.17% | 84.98% | $529.3M | $4.97B |
Associated Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Associated Bank, 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 Associated Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5296) · FFIEC NIC profile (RSSD 917742)