Cumberland Federal Bank, FSB: 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.
Brokered deposits to total deposits climbed 4.92 percentage points in Q2 2026, from 34.82% to 39.74%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Cumberland Federal Bank, FSB is 14th from the bottom among 153 Wisconsin banks, 61.60% (Q2 2026). Cumberland Federal Bank, FSB reported 61.60% on loan-to-deposit ratio for Q2 2026, 19.24 points below 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 | $2.1M |
| Cash and noninterest-bearing balances to assets | 0.60% |
| Cash and securities | $159.3M |
| 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 | $20.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.60% |
| Net loans and leases to deposits | 60.92% |
| Loans and leases to core deposits | 67.57% |
| Core deposits to total deposits | 51.43% |
| Brokered deposits to total deposits | 39.74% |
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 | 52.73% | 54.03% | $0 | $14.0M |
| Q4 2023 | 54.55% | 52.95% | $0 | $17.7M |
| Q1 2024 | 52.68% | 52.44% | $0 | $11.1M |
| Q2 2024 | 52.92% | 49.14% | $0 | $5.3M |
| Q3 2024 | 56.98% | 49.35% | $0 | $16.0M |
| Q4 2024 | 61.83% | 48.16% | $0 | $23.8M |
| Q1 2025 | 61.73% | 47.32% | $0 | $22.0M |
| Q2 2025 | 63.45% | 49.78% | $0 | $26.1M |
| Q3 2025 | 60.82% | 47.95% | $0 | $19.0M |
| Q4 2025 | 63.44% | 51.22% | $0 | $24.0M |
| Q1 2026 | 65.26% | 55.72% | $0 | $33.6M |
| Q2 2026 | 61.60% | 51.43% | $0 | $20.4M |
Cumberland Federal Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Federal Bank, FSB, 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 Cumberland Federal Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29293) · FFIEC NIC profile (RSSD 28675)