Baraboo State 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.
Core deposits to total deposits climbed 2.39 percentage points in Q2 2026, from 91.98% to 94.38%. It was the largest change from Q1 2026 among the key lines here. Baraboo State Bank has the 15th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 61.65% as of Q2 2026. Baraboo State Bank reported 61.65% on loan-to-deposit ratio for Q2 2026, 18.90 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $250.5M |
| 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 | $8.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.65% |
| Net loans and leases to deposits | 60.53% |
| Loans and leases to core deposits | 65.33% |
| Core deposits to total deposits | 94.38% |
| 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 | 60.17% | 96.31% | $0 | $5.0M |
| Q4 2023 | 62.03% | 95.97% | $0 | $5.0M |
| Q1 2024 | 64.41% | 95.33% | $0 | $5.0M |
| Q2 2024 | 60.83% | 94.60% | $0 | $5.0M |
| Q3 2024 | 58.60% | 93.69% | $0 | $13.8M |
| Q4 2024 | 56.80% | 91.78% | $0 | $13.8M |
| Q1 2025 | 56.87% | 91.58% | $0 | $8.8M |
| Q2 2025 | 58.64% | 93.74% | $0 | $8.8M |
| Q3 2025 | 57.47% | 93.52% | $0 | $8.8M |
| Q4 2025 | 59.24% | 91.09% | $0 | $8.8M |
| Q1 2026 | 60.61% | 91.98% | $0 | $8.8M |
| Q2 2026 | 61.65% | 94.38% | $0 | $8.8M |
Baraboo State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Baraboo State 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 Baraboo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12788) · FFIEC NIC profile (RSSD 24949)