Dairy 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.
The standout move of Q2 2026 was in Other borrowed money: 38.7% lower than in Q1 2026, at $9.2M. Dairy State Bank ranks 137th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 63.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Dairy State Bank sits 17.31 points lower, at 63.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $311.8M |
| 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 | $4.0M |
| Other borrowed money | $9.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.64% |
| Net loans and leases to deposits | 62.36% |
| Loans and leases to core deposits | 67.02% |
| Core deposits to total deposits | 94.96% |
| 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 | 50.30% | 96.22% | $3.3M | $38.0M |
| Q4 2023 | 53.55% | 95.71% | $4.2M | $48.0M |
| Q1 2024 | 52.56% | 95.65% | $5.6M | $47.0M |
| Q2 2024 | 54.29% | 94.37% | $2.4M | $47.0M |
| Q3 2024 | 54.37% | 93.71% | $3.3M | $42.0M |
| Q4 2024 | 54.99% | 94.02% | $4.2M | $32.0M |
| Q1 2025 | 53.94% | 93.79% | $5.8M | $23.0M |
| Q2 2025 | 56.19% | 94.35% | $2.6M | $23.0M |
| Q3 2025 | 59.29% | 94.14% | $5.1M | $20.0M |
| Q4 2025 | 61.02% | 94.45% | $5.1M | $15.0M |
| Q1 2026 | 61.24% | 93.42% | $5.0M | $15.0M |
| Q2 2026 | 63.64% | 94.96% | $4.0M | $9.2M |
Dairy State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dairy 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 Dairy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17162) · FFIEC NIC profile (RSSD 57451)