Ergo 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: 100.0% higher than in Q1 2026, at $20.0M. Within Wisconsin, Ergo Bank is 36th of 153 on loan-to-deposit ratio, 99.39% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Ergo Bank sits 18.83 points higher, at 99.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.4M |
| 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 | $3.1M |
| Other borrowed money | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.39% |
| Net loans and leases to deposits | 98.30% |
| Loans and leases to core deposits | 114.81% |
| Core deposits to total deposits | 78.06% |
| Brokered deposits to total deposits | 8.51% |
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 | 101.88% | 83.81% | $2.4M | $11.0M |
| Q4 2023 | 99.88% | 82.18% | $0 | $25.0M |
| Q1 2024 | 105.57% | 78.72% | $2.9M | $25.0M |
| Q2 2024 | 103.14% | 79.38% | $532K | $20.0M |
| Q3 2024 | 99.14% | 79.47% | $0 | $15.0M |
| Q4 2024 | 92.96% | 78.37% | $0 | $10.0M |
| Q1 2025 | 96.88% | 76.77% | $2.7M | $10.0M |
| Q2 2025 | 94.29% | 75.15% | $0 | $10.0M |
| Q3 2025 | 92.06% | 76.90% | $0 | $10.0M |
| Q4 2025 | 93.55% | 80.98% | $3.2M | $10.0M |
| Q1 2026 | 96.17% | 76.79% | $3.8M | $10.0M |
| Q2 2026 | 99.39% | 78.06% | $3.1M | $20.0M |
Ergo Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ergo 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 Ergo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10004) · FFIEC NIC profile (RSSD 599643)