Bristol Morgan 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.
Loan-to-deposit ratio dropped 7.86 percentage points in Q2 2026, from 106.35% to 98.49%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bristol Morgan Bank is 39th of 153 on loan-to-deposit ratio, 98.49% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bristol Morgan Bank sits 17.54 points higher, at 98.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.2M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 2.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.49% |
| Net loans and leases to deposits | 97.37% |
| Loans and leases to core deposits | 106.62% |
| Core deposits to total deposits | 84.15% |
| Brokered deposits to total deposits | 8.22% |
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 | 106.76% | 76.77% | $0 | $18.5M |
| Q4 2023 | 97.59% | 80.62% | $0 | $17.5M |
| Q1 2024 | 110.29% | 79.78% | $535K | $18.5M |
| Q2 2024 | 112.95% | 81.17% | $690K | $22.5M |
| Q3 2024 | 105.31% | 77.97% | $0 | $20.5M |
| Q4 2024 | 106.27% | 79.94% | $0 | $18.5M |
| Q1 2025 | 109.81% | 80.80% | $0 | $20.5M |
| Q2 2025 | 110.88% | 82.27% | $0 | $25.5M |
| Q3 2025 | 107.66% | 82.23% | $0 | $21.5M |
| Q4 2025 | 105.29% | 87.09% | $0 | $21.5M |
| Q1 2026 | 106.35% | 84.84% | $0 | $21.5M |
| Q2 2026 | 98.49% | 84.15% | $0 | $13.0M |
Bristol Morgan Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol Morgan 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 Bristol Morgan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9523) · FFIEC NIC profile (RSSD 807348)