Forward 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.
Other borrowed money climbed 57.0% in Q2 2026, from $68.1M to $107.0M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Forward Bank is 65th of 153 on loan-to-deposit ratio, 91.34% as of Q2 2026. Forward Bank reported 91.34% on loan-to-deposit ratio for Q2 2026, 3.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $245.9M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $107.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.34% |
| Net loans and leases to deposits | 90.47% |
| Loans and leases to core deposits | 96.75% |
| Core deposits to total deposits | 94.41% |
| 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 | 86.91% | 95.13% | $0 | $74.0M |
| Q4 2023 | 86.79% | 94.84% | $4.3M | $60.0M |
| Q1 2024 | 87.98% | 94.56% | $2.0M | $78.0M |
| Q2 2024 | 87.01% | 94.55% | $4.6M | $69.5M |
| Q3 2024 | 84.65% | 93.74% | $0 | $62.9M |
| Q4 2024 | 84.60% | 94.39% | $0 | $52.9M |
| Q1 2025 | 85.96% | 94.20% | $0 | $42.9M |
| Q2 2025 | 87.77% | 93.71% | $2.3M | $57.4M |
| Q3 2025 | 87.40% | 93.95% | $0 | $52.9M |
| Q4 2025 | 86.98% | 94.38% | $0 | $52.9M |
| Q1 2026 | 89.12% | 94.37% | $1.8M | $68.1M |
| Q2 2026 | 91.34% | 94.41% | $0 | $107.0M |
Forward Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Forward 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 Forward Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28530) · FFIEC NIC profile (RSSD 313577)