DMB Community 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.
Core deposits to total deposits climbed 9.35 percentage points in Q2 2026, from 64.96% to 74.31%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, DMB Community Bank sits 10th from the top on loan-to-deposit ratio, 113.76% as of Q2 2026. DMB Community Bank reported 113.76% on loan-to-deposit ratio for Q2 2026, 33.20 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 | $5.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.5M |
| Fed funds sold and reverse repos | $619K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $154.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.76% |
| Net loans and leases to deposits | 112.44% |
| Loans and leases to core deposits | 126.06% |
| Core deposits to total deposits | 74.31% |
| Brokered deposits to total deposits | 15.93% |
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 | 98.07% | 48.14% | $0 | $15.0M |
| Q4 2023 | 99.65% | 51.24% | $0 | $30.0M |
| Q1 2024 | 107.22% | 59.97% | $0 | $91.0M |
| Q2 2024 | 121.17% | 69.52% | $0 | $154.0M |
| Q3 2024 | 117.20% | 65.63% | $0 | $154.0M |
| Q4 2024 | 121.14% | 65.93% | $0 | $154.0M |
| Q1 2025 | 118.94% | 62.93% | $0 | $154.0M |
| Q2 2025 | 111.50% | 62.06% | $0 | $154.0M |
| Q3 2025 | 114.37% | 62.42% | $0 | $154.0M |
| Q4 2025 | 116.80% | 67.25% | $0 | $154.0M |
| Q1 2026 | 114.93% | 64.96% | $0 | $154.0M |
| Q2 2026 | 113.76% | 74.31% | $0 | $154.0M |
DMB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock DMB Community 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 DMB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14769) · FFIEC NIC profile (RSSD 56548)