Chippewa Valley 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.
Fed funds sold and reverse repos climbed 197.6% in Q2 2026, from $5.6M to $16.8M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Chippewa Valley Bank is 49th of 153 on loan-to-deposit ratio, 95.47% as of Q2 2026. Chippewa Valley Bank reported 95.47% on loan-to-deposit ratio for Q2 2026, 14.91 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $68.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $192.7M |
| Fed funds sold and reverse repos | $16.8M |
| Fed funds sold and reverse repos to assets | 2.28% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $68.0M |
| Other borrowed money | $41.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.47% |
| Net loans and leases to deposits | 94.67% |
| Loans and leases to core deposits | 97.76% |
| Core deposits to total deposits | 75.48% |
| Brokered deposits to total deposits | 22.18% |
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 | 100.42% | 86.66% | $74.0M | $63.6M |
| Q4 2023 | 94.26% | 74.87% | $68.0M | $53.5M |
| Q1 2024 | 95.20% | 73.14% | $68.0M | $51.4M |
| Q2 2024 | 95.91% | 72.97% | $68.0M | $49.8M |
| Q3 2024 | 94.30% | 73.61% | $68.0M | $49.7M |
| Q4 2024 | 98.32% | 75.83% | $68.0M | $64.7M |
| Q1 2025 | 93.79% | 73.19% | $68.0M | $39.7M |
| Q2 2025 | 96.19% | 72.37% | $68.0M | $44.1M |
| Q3 2025 | 94.56% | 75.15% | $68.0M | $44.1M |
| Q4 2025 | 96.13% | 76.64% | $68.0M | $44.1M |
| Q1 2026 | 94.60% | 74.72% | $68.0M | $44.1M |
| Q2 2026 | 95.47% | 75.48% | $68.0M | $41.5M |
Chippewa Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chippewa Valley 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 Chippewa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12322) · FFIEC NIC profile (RSSD 779650)