Bank of Lake Mills: 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 Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Within Wisconsin, Bank of Lake Mills is 20th of 153 on loan-to-deposit ratio, 106.81% as of Q2 2026, above the middle of the field. Bank of Lake Mills reported 106.81% on loan-to-deposit ratio for Q2 2026, 25.97 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 | $12.9M |
| Cash and noninterest-bearing balances to assets | 2.41% |
| Cash and securities | $50.9M |
| Fed funds sold and reverse repos | $1K |
| 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 | $42.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.81% |
| Net loans and leases to deposits | 106.31% |
| Loans and leases to core deposits | 109.27% |
| Core deposits to total deposits | 66.35% |
| Brokered deposits to total deposits | 31.40% |
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 | 107.82% | 83.81% | $0 | $46.0M |
| Q4 2023 | 97.81% | 89.67% | $0 | $26.2M |
| Q1 2024 | 110.06% | 84.78% | $5.3M | $44.0M |
| Q2 2024 | 108.79% | 92.46% | $0 | $43.0M |
| Q3 2024 | 126.13% | 79.45% | $1.4M | $88.5M |
| Q4 2024 | 106.14% | 72.06% | $0 | $38.5M |
| Q1 2025 | 114.67% | 66.76% | $0 | $65.0M |
| Q2 2025 | 98.69% | 78.21% | $0 | $15.0M |
| Q3 2025 | 95.51% | 64.16% | $0 | $15.0M |
| Q4 2025 | 102.82% | 68.81% | $0 | $24.0M |
| Q1 2026 | 114.80% | 71.15% | $6.3M | $68.5M |
| Q2 2026 | 106.81% | 66.35% | $0 | $42.0M |
Bank of Lake Mills liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lake Mills, 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 Lake Mills profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8695) · FFIEC NIC profile (RSSD 477349)