BLC Community 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 1.90 percentage points in Q2 2026, from 111.92% to 113.82%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, BLC Community Bank is 28th of 153 on loan-to-deposit ratio, 103.05% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. BLC Community Bank sits 22.50 points higher, at 103.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.6M |
| Fed funds sold and reverse repos | $8.7M |
| Fed funds sold and reverse repos to assets | 1.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $50.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.05% |
| Net loans and leases to deposits | 102.02% |
| Loans and leases to core deposits | 113.82% |
| Core deposits to total deposits | 78.87% |
| Brokered deposits to total deposits | 11.67% |
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 | 91.48% | 89.29% | $0 | $27.5M |
| Q4 2023 | 91.20% | 89.53% | $0 | $27.5M |
| Q1 2024 | 95.48% | 86.01% | $0 | $28.5M |
| Q2 2024 | 100.85% | 85.59% | $0 | $41.0M |
| Q3 2024 | 94.55% | 84.96% | $0 | $36.0M |
| Q4 2024 | 95.62% | 83.24% | $0 | $23.5M |
| Q1 2025 | 96.01% | 77.95% | $0 | $29.2M |
| Q2 2025 | 100.56% | 74.62% | $0 | $40.2M |
| Q3 2025 | 95.67% | 77.83% | $0 | $44.2M |
| Q4 2025 | 99.35% | 79.01% | $0 | $40.7M |
| Q1 2026 | 101.32% | 79.38% | $0 | $43.4M |
| Q2 2026 | 103.05% | 78.87% | $0 | $50.5M |
BLC Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BLC Community 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 BLC Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11608) · FFIEC NIC profile (RSSD 578741)