Horicon 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.
Fed funds sold and reverse repos dropped 48.6% in Q2 2026, from $1.6M to $839K. It was the largest change from Q1 2026 among the key lines here. Horicon Bank ranks 45th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 96.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Horicon Bank sits 8.53 points higher, at 96.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $143.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $226.7M |
| Fed funds sold and reverse repos | $839K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $39.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.73% |
| Net loans and leases to deposits | 95.47% |
| Loans and leases to core deposits | 104.58% |
| Core deposits to total deposits | 92.49% |
| 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 | 90.13% | 94.97% | $0 | $6.6M |
| Q4 2023 | 90.60% | 94.00% | $0 | $6.6M |
| Q1 2024 | 93.56% | 94.48% | $0 | $31.5M |
| Q2 2024 | 92.72% | 94.01% | $0 | $31.5M |
| Q3 2024 | 90.82% | 93.99% | $0 | $31.4M |
| Q4 2024 | 91.00% | 94.08% | $0 | $31.4M |
| Q1 2025 | 91.98% | 92.02% | $0 | $3.4M |
| Q2 2025 | 95.88% | 91.53% | $0 | $3.4M |
| Q3 2025 | 95.21% | 90.98% | $0 | $3.3M |
| Q4 2025 | 96.73% | 91.24% | $0 | $3.3M |
| Q1 2026 | 94.65% | 92.37% | $0 | $42.2M |
| Q2 2026 | 96.73% | 92.49% | $0 | $39.7M |
Horicon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Horicon 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 Horicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11236) · FFIEC NIC profile (RSSD 528849)