Clare Bank, 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 65.5% lower than in Q1 2026, at $4.9M. Clare Bank, N.A. ranks 136th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 64.18% (Q2 2026). Clare Bank, N.A. reported 64.18% on loan-to-deposit ratio for Q2 2026, 16.66 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $150.6M |
| Fed funds sold and reverse repos | $901K |
| Fed funds sold and reverse repos to assets | 0.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.18% |
| Net loans and leases to deposits | 63.87% |
| Loans and leases to core deposits | 65.87% |
| Core deposits to total deposits | 97.43% |
| Brokered deposits to total deposits | 0.00% |
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 | 50.86% | 98.66% | $1.8M | $26.0M |
| Q4 2023 | 50.87% | 98.49% | $0 | $24.0M |
| Q1 2024 | 50.47% | 98.28% | $0 | $21.0M |
| Q2 2024 | 53.10% | 97.99% | $0 | $21.0M |
| Q3 2024 | 55.76% | 97.60% | $1.8M | $25.0M |
| Q4 2024 | 56.36% | 97.82% | $0 | $24.5M |
| Q1 2025 | 57.53% | 98.05% | $0 | $22.6M |
| Q2 2025 | 59.42% | 98.06% | $2.0M | $21.6M |
| Q3 2025 | 61.77% | 97.61% | $2.7M | $24.1M |
| Q4 2025 | 59.35% | 97.90% | $0 | $28.6M |
| Q1 2026 | 60.32% | 97.77% | $0 | $24.4M |
| Q2 2026 | 64.18% | 97.43% | $0 | $24.4M |
Clare Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clare Bank, 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 Clare Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1022) · FFIEC NIC profile (RSSD 988144)