Collins 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.
Other borrowed money climbed 150.0% in Q2 2026, from $4.0M to $10.0M. It was the largest change from Q1 2026 among the key lines here. Collins State Bank ranks 37th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 99.02% (Q2 2026). Collins State Bank reported 99.02% on loan-to-deposit ratio for Q2 2026, 18.18 points above 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 | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.1M |
| Fed funds sold and reverse repos | $2.7M |
| Fed funds sold and reverse repos to assets | 0.88% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.02% |
| Net loans and leases to deposits | 98.37% |
| Loans and leases to core deposits | 108.36% |
| Core deposits to total deposits | 91.38% |
| 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 | 101.17% | 93.50% | $0 | $15.0M |
| Q4 2023 | 97.63% | 93.69% | $0 | $12.5M |
| Q1 2024 | 97.30% | 92.54% | $0 | $10.0M |
| Q2 2024 | 97.51% | 92.69% | $0 | $10.0M |
| Q3 2024 | 93.40% | 93.39% | $0 | $10.0M |
| Q4 2024 | 95.18% | 92.58% | $0 | $11.0M |
| Q1 2025 | 92.94% | 91.47% | $0 | $11.0M |
| Q2 2025 | 93.73% | 90.30% | $0 | $10.0M |
| Q3 2025 | 90.33% | 89.98% | $0 | $10.0M |
| Q4 2025 | 91.36% | 90.64% | $0 | $9.0M |
| Q1 2026 | 95.73% | 92.33% | $0 | $4.0M |
| Q2 2026 | 99.02% | 91.38% | $0 | $10.0M |
Collins State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Collins 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 Collins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14914) · FFIEC NIC profile (RSSD 219044)