Badger 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.
Core deposits to total deposits climbed 4.38 percentage points in Q2 2026, from 87.99% to 92.37%. It was the largest change from Q1 2026 among the key lines here. Badger Bank ranks 91st of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 85.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Badger Bank sits 4.77 points higher, at 85.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.7M |
| Fed funds sold and reverse repos | $777K |
| Fed funds sold and reverse repos to assets | 0.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.33% |
| Net loans and leases to deposits | 84.41% |
| Loans and leases to core deposits | 91.08% |
| Core deposits to total deposits | 92.37% |
| Brokered deposits to total deposits | 1.31% |
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 | 79.68% | 97.63% | $0 | $19.0M |
| Q4 2023 | 81.15% | 91.48% | $0 | $22.5M |
| Q1 2024 | 80.30% | 90.55% | $0 | $16.0M |
| Q2 2024 | 82.25% | 90.34% | $0 | $15.5M |
| Q3 2024 | 79.42% | 79.98% | $0 | $14.5M |
| Q4 2024 | 77.10% | 88.32% | $0 | $10.5M |
| Q1 2025 | 77.95% | 89.27% | $0 | $8.0M |
| Q2 2025 | 79.98% | 87.88% | $0 | $8.5M |
| Q3 2025 | 80.29% | 87.59% | $0 | $11.5M |
| Q4 2025 | 79.26% | 88.05% | $0 | $11.5M |
| Q1 2026 | 82.11% | 87.99% | $0 | $11.5M |
| Q2 2026 | 85.33% | 92.37% | $0 | $16.5M |
Badger Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Badger 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 Badger Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2469) · FFIEC NIC profile (RSSD 846945)