Great North 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 Loan-to-deposit ratio: 4.66 percentage points higher than in Q1 2026, at 88.95%. Great North Bank ranks 75th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 88.95% (Q2 2026). Great North Bank reported 88.95% on loan-to-deposit ratio for Q2 2026, 8.11 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 | — |
| Cash and noninterest-bearing balances to assets | 3.69% |
| Cash and securities | $48.3M |
| 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 | $22.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.95% |
| Net loans and leases to deposits | 88.24% |
| Loans and leases to core deposits | 92.91% |
| Core deposits to total deposits | 80.00% |
| Brokered deposits to total deposits | 15.74% |
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 | 78.42% | 79.36% | $0 | $21.7M |
| Q4 2023 | 71.69% | 78.99% | $0 | $21.7M |
| Q1 2024 | 72.49% | 76.40% | $0 | $21.7M |
| Q2 2024 | 65.62% | 76.83% | $0 | $12.4M |
| Q3 2024 | 67.89% | 78.11% | $0 | $7.4M |
| Q4 2024 | 59.38% | 79.02% | $0 | $7.5M |
| Q1 2025 | 67.01% | 84.12% | $0 | $7.5M |
| Q2 2025 | 74.91% | 80.90% | $0 | $12.5M |
| Q3 2025 | 81.13% | 83.10% | $0 | $15.6M |
| Q4 2025 | 77.45% | 84.48% | $0 | $10.6M |
| Q1 2026 | 84.28% | 82.72% | $0 | $15.6M |
| Q2 2026 | 88.95% | 80.00% | $0 | $22.6M |
Great North Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Great North 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 Great North Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15146) · FFIEC NIC profile (RSSD 576354)