Bank of Cashton: 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: 11.0% higher than in Q1 2026, at $12.4M. Within Wisconsin, Bank of Cashton is 112th of 153 on loan-to-deposit ratio, 78.40% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Cashton sits 2.55 points lower, at 78.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.3M |
| 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 | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.40% |
| Net loans and leases to deposits | 77.55% |
| Loans and leases to core deposits | 84.45% |
| Core deposits to total deposits | 91.26% |
| Brokered deposits to total deposits | 1.57% |
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 | 77.86% | 98.10% | $0 | $10.0M |
| Q4 2023 | 78.01% | 98.63% | $0 | $10.0M |
| Q1 2024 | 78.16% | 97.52% | $0 | $9.5M |
| Q2 2024 | 78.79% | 94.46% | $0 | $10.0M |
| Q3 2024 | 77.58% | 93.56% | $0 | $8.0M |
| Q4 2024 | 77.91% | 93.25% | $0 | $8.0M |
| Q1 2025 | 78.89% | 89.94% | $0 | $6.0M |
| Q2 2025 | 81.85% | 89.81% | $0 | $5.0M |
| Q3 2025 | 81.26% | 86.98% | $0 | $4.0M |
| Q4 2025 | 79.36% | 93.41% | $0 | $3.5M |
| Q1 2026 | 78.78% | 90.97% | $0 | $3.5M |
| Q2 2026 | 78.40% | 91.26% | $0 | $3.5M |
Bank of Cashton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cashton, 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 Cashton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12325) · FFIEC NIC profile (RSSD 458946)