The Bank of Deerfield: 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.
Cash and balances due from depository institutions climbed 146.3% in Q2 2026, from $5.1M to $12.6M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Bank of Deerfield is 31st of 153 on loan-to-deposit ratio, 101.50% as of Q2 2026, above the middle of the field. The Bank of Deerfield reported 101.50% on loan-to-deposit ratio for Q2 2026, 20.66 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 | $12.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.0M |
| Fed funds sold and reverse repos | $9.6M |
| Fed funds sold and reverse repos to assets | 3.57% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.50% |
| Net loans and leases to deposits | 100.21% |
| Loans and leases to core deposits | 112.10% |
| Core deposits to total deposits | 68.39% |
| Brokered deposits to total deposits | 22.59% |
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 | 110.88% | 63.27% | $0 | $12.5M |
| Q4 2023 | 107.19% | 63.71% | $0 | $9.0M |
| Q1 2024 | 108.09% | 63.81% | $0 | $9.0M |
| Q2 2024 | 108.63% | 63.32% | $0 | $9.0M |
| Q3 2024 | 108.66% | 66.01% | $210K | $9.0M |
| Q4 2024 | 104.50% | 67.18% | $0 | $9.0M |
| Q1 2025 | 104.61% | 69.44% | $0 | $9.0M |
| Q2 2025 | 104.22% | 70.18% | $0 | $8.0M |
| Q3 2025 | 105.53% | 67.03% | $0 | $10.0M |
| Q4 2025 | 104.50% | 67.01% | $78K | $8.0M |
| Q1 2026 | 105.15% | 66.99% | $0 | $8.0M |
| Q2 2026 | 101.50% | 68.39% | $0 | $7.0M |
The Bank of Deerfield liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Deerfield, 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 The Bank of Deerfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2477) · FFIEC NIC profile (RSSD 588245)