East Wisconsin Savings 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 Cash and balances due from depository institutions: 95.5% higher than in Q1 2026, at $10.7M. East Wisconsin Savings Bank ranks 98th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 82.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; East Wisconsin Savings Bank reported 82.69% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.6M |
| 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 | $23.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.69% |
| Net loans and leases to deposits | 82.17% |
| Loans and leases to core deposits | 89.77% |
| Core deposits to total deposits | 92.11% |
| 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 | 75.14% | 92.24% | $0 | $15.8M |
| Q4 2023 | 75.77% | 92.23% | $0 | $18.6M |
| Q1 2024 | 76.11% | 91.51% | $0 | $23.0M |
| Q2 2024 | 80.49% | 91.19% | $0 | $30.7M |
| Q3 2024 | 80.74% | 90.66% | $0 | $25.8M |
| Q4 2024 | 80.71% | 87.88% | $0 | $24.7M |
| Q1 2025 | 82.07% | 87.03% | $0 | $28.3M |
| Q2 2025 | 88.25% | 90.43% | $0 | $44.8M |
| Q3 2025 | 89.59% | 91.60% | $0 | $45.3M |
| Q4 2025 | 87.51% | 92.14% | $0 | $38.8M |
| Q1 2026 | 84.70% | 91.91% | $0 | $29.7M |
| Q2 2026 | 82.69% | 92.11% | $0 | $23.9M |
East Wisconsin Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock East Wisconsin Savings 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 East Wisconsin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30313) · FFIEC NIC profile (RSSD 35879)