Bank of Milton: 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 dropped 35.9% in Q2 2026, from $14.7M to $9.4M. It was the largest change from Q1 2026 among the key lines here. Bank of Milton ranks 76th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 88.91% (Q2 2026). Bank of Milton reported 88.91% on loan-to-deposit ratio for Q2 2026, 8.07 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 | $9.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.3M |
| 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 | $8.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.91% |
| Net loans and leases to deposits | 87.46% |
| Loans and leases to core deposits | 105.93% |
| Core deposits to total deposits | 83.93% |
| 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 | 77.66% | 88.41% | $0 | $0 |
| Q4 2023 | 78.64% | 87.32% | $0 | $0 |
| Q1 2024 | 78.17% | 85.28% | $0 | $3.0M |
| Q2 2024 | 77.85% | 83.86% | $0 | $3.0M |
| Q3 2024 | 80.92% | 83.69% | $0 | $4.0M |
| Q4 2024 | 76.73% | 79.75% | $0 | $4.0M |
| Q1 2025 | 77.89% | 77.48% | $0 | $4.0M |
| Q2 2025 | 88.92% | 81.48% | $0 | $10.5M |
| Q3 2025 | 88.46% | 77.10% | $0 | $16.5M |
| Q4 2025 | 85.40% | 82.96% | $0 | $14.5M |
| Q1 2026 | 86.64% | 83.03% | $0 | $10.5M |
| Q2 2026 | 88.91% | 83.93% | $0 | $8.5M |
Bank of Milton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Milton, 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 Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11232) · FFIEC NIC profile (RSSD 426945)