Bank of Alma: 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 Cash and balances due from depository institutions: 40.6% lower than in Q1 2026, at $41.1M. Among 153 Wisconsin banks, Bank of Alma sits 5th from the top on loan-to-deposit ratio, 121.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Alma sits 40.41 points higher, at 121.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.0M |
| Fed funds sold and reverse repos | $3.5M |
| Fed funds sold and reverse repos to assets | 1.03% |
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 | 121.25% |
| Net loans and leases to deposits | 119.48% |
| Loans and leases to core deposits | 127.62% |
| Core deposits to total deposits | 95.01% |
| 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 | 122.70% | 98.83% | $0 | $0 |
| Q4 2023 | 125.50% | 98.64% | $0 | $0 |
| Q1 2024 | 130.14% | 97.39% | $0 | $0 |
| Q2 2024 | 129.33% | 96.61% | $0 | $0 |
| Q3 2024 | 126.90% | 95.16% | $0 | $0 |
| Q4 2024 | 121.90% | 94.91% | $0 | $0 |
| Q1 2025 | 119.43% | 94.52% | $0 | $0 |
| Q2 2025 | 110.39% | 94.69% | $0 | $0 |
| Q3 2025 | 113.94% | 94.05% | $0 | $0 |
| Q4 2025 | 118.70% | 94.49% | $0 | $0 |
| Q1 2026 | 118.91% | 94.99% | $0 | $0 |
| Q2 2026 | 121.25% | 95.01% | $0 | $0 |
Bank of Alma liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alma, 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 Bank of Alma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26689) · FFIEC NIC profile (RSSD 564052)