Bluff View 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.
Cash and balances due from depository institutions dropped 61.0% in Q2 2026, from $6.7M to $2.6M. It was the largest change from Q1 2026 among the key lines here. Bluff View Bank ranks 88th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 86.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bluff View Bank sits 5.52 points higher, at 86.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.1M |
| Fed funds sold and reverse repos | $193K |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.36% |
| Net loans and leases to deposits | 85.47% |
| Loans and leases to core deposits | 88.37% |
| Core deposits to total deposits | 91.66% |
| Brokered deposits to total deposits | 7.34% |
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 | 86.94% | 94.98% | $1.9M | $16.0M |
| Q4 2023 | 81.99% | 95.13% | $0 | $16.0M |
| Q1 2024 | 81.54% | 94.50% | $0 | $13.5M |
| Q2 2024 | 82.79% | 93.77% | $0 | $10.5M |
| Q3 2024 | 74.91% | 86.13% | $0 | $9.0M |
| Q4 2024 | 74.02% | 86.30% | $0 | $1.0M |
| Q1 2025 | 73.46% | 85.14% | $0 | $1.0M |
| Q2 2025 | 74.94% | 85.66% | $0 | $7.0M |
| Q3 2025 | 74.09% | 84.35% | $0 | $7.0M |
| Q4 2025 | 81.96% | 90.37% | $3.2M | $6.5M |
| Q1 2026 | 83.15% | 91.64% | $0 | $11.4M |
| Q2 2026 | 86.36% | 91.66% | $0 | $11.4M |
Bluff View Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bluff View 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 Bluff View Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8693) · FFIEC NIC profile (RSSD 167453)