Ccfbank N.A.: 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.
Fed funds sold and reverse repos dropped 37.4% in Q2 2026, from $3.2M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Ccfbank N.A. ranks 82nd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 87.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Ccfbank N.A. reported 87.61% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $121.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $330.1M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 0.11% |
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 | 87.61% |
| Net loans and leases to deposits | 85.97% |
| Loans and leases to core deposits | 90.54% |
| Core deposits to total deposits | 96.44% |
| Brokered deposits to total deposits | 0.33% |
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 | 97.53% | 91.63% | $0 | $114.5M |
| Q4 2023 | 95.38% | 90.94% | $0 | $79.5M |
| Q1 2024 | 93.97% | 91.98% | $0 | $39.5M |
| Q2 2024 | 93.14% | 91.10% | $0 | $31.5M |
| Q3 2024 | 92.79% | 92.59% | $0 | $21.0M |
| Q4 2024 | 91.00% | 95.47% | $0 | $5.0M |
| Q1 2025 | 88.02% | 96.17% | $0 | $0 |
| Q2 2025 | 90.28% | 96.60% | $0 | $0 |
| Q3 2025 | 89.41% | 96.21% | $0 | $0 |
| Q4 2025 | 86.82% | 96.22% | $0 | $0 |
| Q1 2026 | 85.57% | 96.44% | $0 | $0 |
| Q2 2026 | 87.61% | 96.44% | $0 | $0 |
Ccfbank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ccfbank N.A., 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 Ccfbank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57265) · FFIEC NIC profile (RSSD 962890)