Coulee 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 Fed funds sold and reverse repos: 71.3% higher than in Q1 2026, at $3.7M. Coulee Bank ranks 57th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 93.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Coulee Bank sits 12.96 points higher, at 93.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.9M |
| Fed funds sold and reverse repos | $3.7M |
| Fed funds sold and reverse repos to assets | 0.71% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.5M |
| Other borrowed money | $51.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.51% |
| Net loans and leases to deposits | 92.13% |
| Loans and leases to core deposits | 96.74% |
| Core deposits to total deposits | 91.65% |
| Brokered deposits to total deposits | 5.01% |
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 | 101.09% | 90.65% | $13.0M | $45.0M |
| Q4 2023 | 102.01% | 88.26% | $8.8M | $55.8M |
| Q1 2024 | 102.33% | 89.57% | $1.5M | $61.3M |
| Q2 2024 | 101.98% | 88.63% | $1.1M | $63.3M |
| Q3 2024 | 98.07% | 88.09% | $1.1M | $62.3M |
| Q4 2024 | 100.92% | 88.66% | $4.3M | $52.5M |
| Q1 2025 | 101.71% | 89.23% | $1.5M | $50.0M |
| Q2 2025 | 105.74% | 88.92% | $1.0M | $68.0M |
| Q3 2025 | 101.44% | 89.52% | $933K | $59.0M |
| Q4 2025 | 97.23% | 89.35% | $6.3M | $58.5M |
| Q1 2026 | 94.95% | 90.34% | $2.0M | $53.0M |
| Q2 2026 | 93.51% | 91.65% | $1.5M | $51.0M |
Coulee Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Coulee 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 Coulee Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18361) · FFIEC NIC profile (RSSD 457752)