Janesville 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.
Loans and leases to core deposits dropped 8.65 percentage points in Q2 2026, from 106.25% to 97.59%. It was the largest change from Q1 2026 among the key lines here. Janesville State Bank ranks 98th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 83.62% (Q2 2026). Janesville State Bank reported 83.62% on loan-to-deposit ratio for Q2 2026, 16.00 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 | $8.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.7M |
| 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 | $0 |
| Other borrowed money | $2.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.62% |
| Net loans and leases to deposits | 82.72% |
| Loans and leases to core deposits | 97.59% |
| Core deposits to total deposits | 85.69% |
| 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 | 83.43% | 87.58% | $0 | $5.1M |
| Q4 2023 | 88.21% | 86.40% | $0 | $7.4M |
| Q1 2024 | 91.24% | 86.79% | $0 | $8.9M |
| Q2 2024 | 90.86% | 88.62% | $0 | $8.1M |
| Q3 2024 | 96.08% | 88.16% | $0 | $8.1M |
| Q4 2024 | 90.94% | 85.17% | $0 | $3.8M |
| Q1 2025 | 90.89% | 88.24% | $0 | $1.8M |
| Q2 2025 | 94.84% | 87.85% | $0 | $4.5M |
| Q3 2025 | 91.51% | 85.59% | $0 | $3.4M |
| Q4 2025 | 92.02% | 84.06% | $0 | $3.5M |
| Q1 2026 | 89.30% | 84.05% | $0 | $3.5M |
| Q2 2026 | 83.62% | 85.69% | $0 | $2.7M |
Janesville State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Janesville 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 Janesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10960) · FFIEC NIC profile (RSSD 88259)