Independence State 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 purchased and repos dropped 19.8% in Q2 2026, from $3.6M to $2.9M. It was the largest change from Q1 2026 among the key lines here. Independence State Bank ranks 70th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 90.69% (Q2 2026). Independence State Bank reported 90.69% on loan-to-deposit ratio for Q2 2026, 23.07 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.5M |
| 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 | $2.9M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.69% |
| Net loans and leases to deposits | 89.73% |
| Loans and leases to core deposits | 101.22% |
| Core deposits to total deposits | 89.60% |
| 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 | 81.99% | 95.93% | $2.5M | $4.0M |
| Q4 2023 | 84.35% | 95.89% | $2.8M | $4.0M |
| Q1 2024 | 83.97% | 95.88% | $3.0M | $4.0M |
| Q2 2024 | 88.95% | 95.20% | $3.0M | $4.0M |
| Q3 2024 | 82.36% | 94.39% | $2.8M | $4.0M |
| Q4 2024 | 77.39% | 94.18% | $3.0M | $0 |
| Q1 2025 | 78.05% | 94.16% | $3.0M | $0 |
| Q2 2025 | 82.80% | 92.16% | $2.7M | $0 |
| Q3 2025 | 84.81% | 91.66% | $2.6M | $0 |
| Q4 2025 | 84.55% | 90.04% | $3.1M | $0 |
| Q1 2026 | 90.85% | 90.13% | $3.6M | $0 |
| Q2 2026 | 90.69% | 89.60% | $2.9M | $0 |
Independence State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence State 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 Independence State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10741) · FFIEC NIC profile (RSSD 396057)