Fox Valley 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: 61.3% lower than in Q1 2026, at $5.1M. Within Wisconsin, Fox Valley Savings Bank is 86th of 153 on loan-to-deposit ratio, 86.51% as of Q2 2026, below the middle of the field. Fox Valley Savings Bank reported 86.51% on loan-to-deposit ratio for Q2 2026, 5.68 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.0M |
| Fed funds sold and reverse repos | $141K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $28.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.51% |
| Net loans and leases to deposits | 85.63% |
| Loans and leases to core deposits | 91.29% |
| Core deposits to total deposits | 94.11% |
| Brokered deposits to total deposits | 0.66% |
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 | 73.73% | 93.55% | $0 | $25.9M |
| Q4 2023 | 75.51% | 94.42% | $0 | $28.3M |
| Q1 2024 | 75.21% | 95.29% | $0 | $21.1M |
| Q2 2024 | 74.56% | 95.14% | $0 | $21.1M |
| Q3 2024 | 72.98% | 95.11% | $0 | $26.1M |
| Q4 2024 | 71.48% | 94.76% | $0 | $21.1M |
| Q1 2025 | 74.49% | 94.70% | $0 | $16.1M |
| Q2 2025 | 76.83% | 94.85% | $0 | $18.1M |
| Q3 2025 | 79.86% | 93.54% | $0 | $23.2M |
| Q4 2025 | 81.03% | 94.13% | $0 | $22.2M |
| Q1 2026 | 81.97% | 93.85% | $0 | $23.1M |
| Q2 2026 | 86.51% | 94.11% | $0 | $28.4M |
Fox Valley Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fox Valley 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 Fox Valley Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29188) · FFIEC NIC profile (RSSD 835770)