Ixonia 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 112.6% higher than in Q1 2026, at $128.8M. On loan-to-deposit ratio, Ixonia Bank ranks 6th highest among the 153 banks headquartered in Wisconsin, at 120.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ixonia Bank sits 32.51 points higher, at 120.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $128.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $207.1M |
| Fed funds sold and reverse repos | $894K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $275.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 25.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 120.71% |
| Net loans and leases to deposits | 119.44% |
| Loans and leases to core deposits | 130.05% |
| Core deposits to total deposits | 85.45% |
| Brokered deposits to total deposits | 7.37% |
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 | 98.13% | 85.68% | $0 | $149.2M |
| Q4 2023 | 97.91% | 86.95% | $0 | $120.0M |
| Q1 2024 | 94.64% | 89.87% | $0 | $132.5M |
| Q2 2024 | 101.13% | 86.53% | $0 | $135.3M |
| Q3 2024 | 104.20% | 86.38% | $0 | $167.1M |
| Q4 2024 | 110.09% | 89.32% | $0 | $168.9M |
| Q1 2025 | 114.49% | 91.93% | $0 | $170.4M |
| Q2 2025 | 119.70% | 87.10% | $0 | $194.9M |
| Q3 2025 | 118.37% | 86.93% | $0 | $212.7M |
| Q4 2025 | 121.87% | 92.01% | $0 | $233.9M |
| Q1 2026 | 127.68% | 91.80% | $0 | $242.7M |
| Q2 2026 | 120.71% | 85.45% | $0 | $275.7M |
Ixonia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ixonia 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 Ixonia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12514) · FFIEC NIC profile (RSSD 529341)