Bonduel 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.10 percentage points higher than in Q1 2026, at 85.95%. Within Wisconsin, Bonduel State Bank is 110th of 153 on loan-to-deposit ratio, 79.21% as of Q2 2026, below the middle of the field. At 79.21%, Bonduel State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $38.0M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.21% |
| Net loans and leases to deposits | 78.53% |
| Loans and leases to core deposits | 85.95% |
| Core deposits to total deposits | 77.21% |
| Brokered deposits to total deposits | 14.94% |
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 | 67.44% | 87.98% | $0 | $0 |
| Q4 2023 | 69.87% | 83.63% | $0 | $0 |
| Q1 2024 | 76.58% | 82.88% | $0 | $0 |
| Q2 2024 | 75.12% | 81.77% | $0 | $0 |
| Q3 2024 | 80.42% | 80.90% | $0 | $0 |
| Q4 2024 | 81.38% | 78.83% | $0 | $0 |
| Q1 2025 | 79.22% | 78.99% | $0 | $0 |
| Q2 2025 | 80.59% | 79.21% | $0 | $0 |
| Q3 2025 | 76.06% | 79.19% | $0 | $0 |
| Q4 2025 | 78.46% | 79.17% | $0 | $0 |
| Q1 2026 | 77.06% | 79.06% | $0 | $0 |
| Q2 2026 | 79.21% | 77.21% | $0 | $0 |
Bonduel State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonduel 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 Bonduel State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11235) · FFIEC NIC profile (RSSD 35646)