Community 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.
Fed funds sold and reverse repos to assets climbed 2.71 percentage points in Q3 2026, from 13.17% to 15.88%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, Community State Bank is 9th from the bottom among 153 Wisconsin banks, 58.30% (Q3 2026). Community State Bank reported 58.30% on loan-to-deposit ratio for Q3 2026, 22.65 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $115.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $276.3M |
| Fed funds sold and reverse repos | $105.9M |
| Fed funds sold and reverse repos to assets | 15.88% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 58.30% |
| Net loans and leases to deposits | 57.41% |
| Loans and leases to core deposits | 59.46% |
| Core deposits to total deposits | 98.05% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 62.40% | 96.14% | $0 | $0 |
| Q1 2024 | 60.91% | 96.69% | $0 | $0 |
| Q2 2024 | 61.01% | 97.61% | $0 | $0 |
| Q3 2024 | 58.65% | 97.83% | $0 | $0 |
| Q4 2024 | 56.39% | 97.65% | $0 | $0 |
| Q1 2025 | 56.91% | 97.73% | $0 | $0 |
| Q2 2025 | 58.75% | 97.85% | $0 | $0 |
| Q3 2025 | 58.47% | 97.32% | $0 | $0 |
| Q4 2025 | 56.39% | 97.45% | $0 | $0 |
| Q1 2026 | 57.77% | 97.73% | $0 | $0 |
| Q2 2026 | 59.47% | 98.04% | $0 | $0 |
| Q3 2026 | 58.30% | 98.05% | $0 | $0 |
Community State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9536) · FFIEC NIC profile (RSSD 130345)