Cleveland State 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.
Cash and balances due from depository institutions climbed 60.6% in Q2 2026, from $10.2M to $16.4M. It was the largest change from Q1 2026 among the key lines here. Cleveland State Bank ranks 115th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 77.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cleveland State Bank sits 3.45 points lower, at 77.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $73.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.39% |
| Net loans and leases to deposits | 76.59% |
| Loans and leases to core deposits | 82.69% |
| Core deposits to total deposits | 93.12% |
| Brokered deposits to total deposits | 0.48% |
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 | 78.16% | 87.87% | $0 | $8.5M |
| Q4 2023 | 79.53% | 88.14% | $0 | $6.8M |
| Q1 2024 | 79.44% | 88.22% | $0 | $10.0M |
| Q2 2024 | 84.16% | 86.65% | $0 | $14.0M |
| Q3 2024 | 80.29% | 87.45% | $0 | $10.0M |
| Q4 2024 | 77.65% | 88.32% | $750K | $10.0M |
| Q1 2025 | 78.27% | 89.43% | $0 | $11.2M |
| Q2 2025 | 80.57% | 87.78% | $0 | $11.2M |
| Q3 2025 | 83.35% | 89.93% | $0 | $12.6M |
| Q4 2025 | 78.62% | 91.41% | $0 | $11.2M |
| Q1 2026 | 79.80% | 93.04% | $0 | $14.5M |
| Q2 2026 | 77.39% | 93.12% | $0 | $14.5M |
Cleveland State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cleveland State 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 Cleveland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9517) · FFIEC NIC profile (RSSD 48440)