Conservation First 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 8.70 percentage points higher than in Q1 2026, at 126.66%. Conservation First Bank ranks 16th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 109.38% (Q2 2026). Conservation First Bank reported 109.38% on loan-to-deposit ratio for Q2 2026, 28.82 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 | $5.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.1M |
| Fed funds sold and reverse repos | $452K |
| Fed funds sold and reverse repos to assets | 0.35% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.38% |
| Net loans and leases to deposits | 107.98% |
| Loans and leases to core deposits | 126.66% |
| Core deposits to total deposits | 85.86% |
| Brokered deposits to total deposits | 11.39% |
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 | 101.19% | 90.22% | $0 | $3.1M |
| Q4 2023 | 103.48% | 90.29% | $0 | $3.1M |
| Q1 2024 | 109.12% | 83.18% | $0 | $8.1M |
| Q2 2024 | 112.42% | 91.08% | $920K | $9.9M |
| Q3 2024 | 109.47% | 88.12% | $0 | $14.2M |
| Q4 2024 | 107.32% | 92.53% | $0 | $8.1M |
| Q1 2025 | 107.87% | 91.93% | $0 | $7.1M |
| Q2 2025 | 111.91% | 89.93% | $0 | $7.1M |
| Q3 2025 | 104.76% | 90.63% | $0 | $6.6M |
| Q4 2025 | 110.46% | 87.08% | $0 | $6.6M |
| Q1 2026 | 102.89% | 86.72% | $0 | $4.7M |
| Q2 2026 | 109.38% | 85.86% | $0 | $8.1M |
Conservation First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Conservation First 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 Conservation First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14316) · FFIEC NIC profile (RSSD 208347)