The International Bank of Amherst: 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.
Compared with Q2 2026, Fed funds sold and reverse repos to assets rose 0.74 percentage points in Q3 2026 to 1.56%, the biggest move on this page. The International Bank of Amherst has the 12th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 60.18% as of Q3 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The International Bank of Amherst sits 20.77 points lower, at 60.18% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.9M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 1.56% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 60.18% |
| Net loans and leases to deposits | 59.70% |
| Loans and leases to core deposits | 62.81% |
| Core deposits to total deposits | 95.81% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 50.29% | 98.40% | $0 | $0 |
| Q1 2024 | 52.36% | 97.98% | $236K | $0 |
| Q2 2024 | 54.02% | 98.02% | $0 | $0 |
| Q3 2024 | 53.39% | 97.73% | $0 | $0 |
| Q4 2024 | 55.84% | 97.36% | $0 | $0 |
| Q1 2025 | 56.06% | 97.16% | $0 | $0 |
| Q2 2025 | 56.65% | 97.25% | $0 | $0 |
| Q3 2025 | 60.97% | 96.87% | $0 | $0 |
| Q4 2025 | 58.12% | 96.51% | $0 | $0 |
| Q1 2026 | 60.25% | 96.46% | $0 | $0 |
| Q2 2026 | 60.13% | 95.37% | $0 | $0 |
| Q3 2026 | 60.18% | 95.81% | $0 | $0 |
The International Bank of Amherst liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The International Bank of Amherst, 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 The International Bank of Amherst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14907) · FFIEC NIC profile (RSSD 504647)