Black River Country 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.
Loans and leases to core deposits climbed 1.89 percentage points in Q2 2026, from 100.74% to 102.63%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Black River Country Bank is 56th of 153 on loan-to-deposit ratio, 93.72% as of Q2 2026, above the middle of the field. Black River Country Bank reported 93.72% on loan-to-deposit ratio for Q2 2026, 12.77 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.9M |
| 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 | $1.3M |
| Other borrowed money | $7.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.72% |
| Net loans and leases to deposits | 92.24% |
| Loans and leases to core deposits | 102.63% |
| Core deposits to total deposits | 91.31% |
| 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 | 92.48% | 94.02% | $1.1M | $10.0M |
| Q4 2023 | 88.64% | 94.62% | $0 | $10.0M |
| Q1 2024 | 93.59% | 94.18% | $0 | $11.0M |
| Q2 2024 | 94.38% | 94.18% | $0 | $11.2M |
| Q3 2024 | 94.98% | 93.81% | $0 | $11.1M |
| Q4 2024 | 87.30% | 93.77% | $0 | $8.5M |
| Q1 2025 | 89.67% | 94.22% | $0 | $8.3M |
| Q2 2025 | 92.15% | 94.23% | $0 | $9.6M |
| Q3 2025 | 89.10% | 94.15% | $0 | $7.1M |
| Q4 2025 | 87.05% | 91.75% | $0 | $7.1M |
| Q1 2026 | 92.08% | 91.40% | $134K | $7.1M |
| Q2 2026 | 93.72% | 91.31% | $1.3M | $7.1M |
Black River Country Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Black River Country 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 Black River Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15152) · FFIEC NIC profile (RSSD 603540)