Incrediblebank: 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 Fed funds sold and reverse repos: 72.3% higher than in Q1 2026, at $1.8M. Incrediblebank ranks 74th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 89.92% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Incrediblebank reported 89.92% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.6M |
| Cash and noninterest-bearing balances to assets | 2.37% |
| Cash and securities | $384.3M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $125.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.92% |
| Net loans and leases to deposits | 88.96% |
| Loans and leases to core deposits | 96.75% |
| Core deposits to total deposits | 88.73% |
| Brokered deposits to total deposits | 4.21% |
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 | 84.05% | 83.79% | $0 | $59.5M |
| Q4 2023 | 85.59% | 82.94% | $0 | $114.6M |
| Q1 2024 | 84.56% | 81.58% | $0 | $89.6M |
| Q2 2024 | 85.24% | 81.04% | $0 | $74.6M |
| Q3 2024 | 85.85% | 82.77% | $0 | $79.8M |
| Q4 2024 | 85.56% | 85.06% | $0 | $90.2M |
| Q1 2025 | 82.86% | 84.64% | $0 | $25.3M |
| Q2 2025 | 84.94% | 83.92% | $0 | $80.3M |
| Q3 2025 | 85.48% | 87.77% | $0 | $75.4M |
| Q4 2025 | 88.73% | 86.78% | $0 | $140.4M |
| Q1 2026 | 86.41% | 88.14% | $0 | $90.5M |
| Q2 2026 | 89.92% | 88.73% | $0 | $125.5M |
Incrediblebank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Incrediblebank, 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 Incrediblebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19772) · FFIEC NIC profile (RSSD 163549)