Bankers' Bank: 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.
Trading liabilities dropped 100.0% in Q2 2026, from $1.1M to $0. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bankers' Bank ranks 8th highest among the 153 banks headquartered in Wisconsin, at 117.73% (Q2 2026). Bankers' Bank reported 117.73% on loan-to-deposit ratio for Q2 2026, 29.53 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $260.2M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $16.3M |
| Other borrowed money | $285.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 19.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.73% |
| Net loans and leases to deposits | 116.21% |
| Loans and leases to core deposits | 117.73% |
| Core deposits to total deposits | 79.53% |
| Brokered deposits to total deposits | 20.47% |
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 | 116.36% | 75.62% | $5.7M | $437.0M |
| Q4 2023 | 119.47% | 75.87% | $10.9M | $405.0M |
| Q1 2024 | 121.22% | 73.81% | $79.1M | $362.5M |
| Q2 2024 | 145.26% | 68.81% | $252.2M | $307.5M |
| Q3 2024 | 112.99% | 75.55% | $17.6M | $310.0M |
| Q4 2024 | 117.63% | 75.88% | $64.6M | $315.0M |
| Q1 2025 | 112.01% | 76.17% | $9.8M | $302.5M |
| Q2 2025 | 125.22% | 75.01% | $52.3M | $312.5M |
| Q3 2025 | 123.15% | 76.52% | $44.8M | $302.5M |
| Q4 2025 | 137.15% | 74.23% | $88.6M | $317.5M |
| Q1 2026 | 124.24% | 77.14% | $37.6M | $302.5M |
| Q2 2026 | 117.73% | 79.53% | $16.3M | $285.0M |
Bankers' Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank, 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 Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23537) · FFIEC NIC profile (RSSD 408642)