Capitol 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.
Compared with Q1 2026, Cash and balances due from depository institutions rose 2.6% in Q2 2026 to $23.0M, the biggest move on this page. Capitol Bank ranks 67th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 91.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Capitol Bank sits 10.30 points higher, at 91.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $114.0M |
| Fed funds sold and reverse repos | $273K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.14% |
| Net loans and leases to deposits | 89.81% |
| Loans and leases to core deposits | 95.93% |
| Core deposits to total deposits | 81.91% |
| Brokered deposits to total deposits | 13.09% |
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 | 96.93% | 76.80% | $0 | $16.5M |
| Q4 2023 | 96.58% | 77.25% | $0 | $17.0M |
| Q1 2024 | 96.41% | 73.48% | $0 | $14.0M |
| Q2 2024 | 102.43% | 72.46% | $0 | $37.5M |
| Q3 2024 | 98.27% | 73.09% | $0 | $22.0M |
| Q4 2024 | 91.80% | 74.22% | $0 | $22.0M |
| Q1 2025 | 89.24% | 78.24% | $0 | $19.0M |
| Q2 2025 | 93.81% | 78.63% | $0 | $19.0M |
| Q3 2025 | 91.23% | 80.14% | $0 | $19.0M |
| Q4 2025 | 88.12% | 77.21% | $0 | $17.3M |
| Q1 2026 | 91.14% | 82.00% | $0 | $17.3M |
| Q2 2026 | 91.14% | 81.91% | $0 | $17.3M |
Capitol Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol 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 Capitol Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34074) · FFIEC NIC profile (RSSD 2339599)