First Business 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.
Cash and balances due from depository institutions climbed 19.1% in Q2 2026, from $137.1M to $163.4M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, First Business Bank is 35th of 153 on loan-to-deposit ratio, 99.72% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Business Bank sits 11.51 points higher, at 99.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $163.4M |
| Cash and noninterest-bearing balances to assets | 3.70% |
| Cash and securities | $577.7M |
| 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 | $298.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.72% |
| Net loans and leases to deposits | 98.68% |
| Loans and leases to core deposits | 101.72% |
| Core deposits to total deposits | 71.44% |
| Brokered deposits to total deposits | 26.59% |
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 | 104.13% | 74.24% | $0 | $323.7M |
| Q4 2023 | 101.99% | 74.34% | $0 | $290.5M |
| Q1 2024 | 105.69% | 75.08% | $0 | $340.9M |
| Q2 2024 | 103.63% | 73.84% | $0 | $286.7M |
| Q3 2024 | 102.73% | 71.85% | $0 | $302.5M |
| Q4 2024 | 100.44% | 69.76% | $0 | $273.3M |
| Q1 2025 | 98.43% | 69.85% | $0 | $239.5M |
| Q2 2025 | 98.65% | 68.71% | $0 | $229.3M |
| Q3 2025 | 100.40% | 69.24% | $0 | $219.6M |
| Q4 2025 | 100.31% | 71.49% | $0 | $204.6M |
| Q1 2026 | 98.62% | 71.97% | $0 | $255.6M |
| Q2 2026 | 99.72% | 71.44% | $0 | $298.6M |
First Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Business 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 First Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15229) · FFIEC NIC profile (RSSD 537449)