Hiawatha National 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 dropped 28.6% in Q2 2026, from $37.3M to $26.6M. It was the largest change from Q1 2026 among the key lines here. Hiawatha National Bank ranks 50th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 95.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hiawatha National Bank sits 14.41 points higher, at 95.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $178.0M |
| Fed funds sold and reverse repos | $854K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $90.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.25% |
| Net loans and leases to deposits | 94.18% |
| Loans and leases to core deposits | 107.50% |
| Core deposits to total deposits | 65.76% |
| Brokered deposits to total deposits | 22.84% |
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 | 93.97% | 64.96% | $0 | $113.0M |
| Q4 2023 | 91.06% | 63.53% | $0 | $113.0M |
| Q1 2024 | 88.59% | 61.87% | $0 | $113.0M |
| Q2 2024 | 90.65% | 60.20% | $0 | $113.0M |
| Q3 2024 | 90.18% | 60.33% | $0 | $113.0M |
| Q4 2024 | 89.63% | 59.52% | $0 | $100.0M |
| Q1 2025 | 91.67% | 59.01% | $0 | $100.0M |
| Q2 2025 | 92.66% | 60.12% | $0 | $100.0M |
| Q3 2025 | 91.16% | 60.93% | $0 | $75.0M |
| Q4 2025 | 97.29% | 65.98% | $0 | $90.0M |
| Q1 2026 | 94.24% | 64.95% | $0 | $90.0M |
| Q2 2026 | 95.25% | 65.76% | $0 | $90.0M |
Hiawatha National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha National 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 Hiawatha National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13058) · FFIEC NIC profile (RSSD 505550)