Bay 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.
Fed funds purchased and repos dropped 36.4% in Q2 2026, from $16.9M to $10.8M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bay Bank is 5th from the bottom among 153 Wisconsin banks, 50.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bay Bank sits 30.01 points lower, at 50.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.1M |
| Cash and noninterest-bearing balances to assets | 8.57% |
| Cash and securities | $168.3M |
| 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 | $10.8M |
| Other borrowed money | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.55% |
| Net loans and leases to deposits | 49.59% |
| Loans and leases to core deposits | 53.18% |
| Core deposits to total deposits | 95.04% |
| Brokered deposits to total deposits | 25.25% |
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 | 42.80% | 95.46% | $0 | $2.8M |
| Q4 2023 | 45.55% | 95.83% | $0 | $768K |
| Q1 2024 | 44.66% | 94.92% | $4.5M | $764K |
| Q2 2024 | 46.48% | 95.38% | $6.0M | $761K |
| Q3 2024 | 48.06% | 94.68% | $7.4M | $758K |
| Q4 2024 | 46.42% | 94.91% | $6.8M | $755K |
| Q1 2025 | 43.98% | 95.49% | $7.8M | $752K |
| Q2 2025 | 47.39% | 95.51% | $10.6M | $748K |
| Q3 2025 | 49.40% | 95.39% | $11.6M | $745K |
| Q4 2025 | 47.51% | 95.56% | $7.2M | $2.4M |
| Q1 2026 | 50.55% | 94.95% | $16.9M | $2.4M |
| Q2 2026 | 50.55% | 95.04% | $10.8M | $2.4M |
Bay Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay 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 Bay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34052) · FFIEC NIC profile (RSSD 2329200)