Johnson 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.
Other borrowed money climbed 179.0% in Q2 2026, from $162.3M to $452.8M. It was the largest change from Q1 2026 among the key lines here. Johnson Bank ranks 48th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 95.56% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Johnson Bank sits 7.36 points higher, at 95.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $213.1M |
| Cash and noninterest-bearing balances to assets | 3.02% |
| Cash and securities | $1.29B |
| 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 | $452.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.56% |
| Net loans and leases to deposits | 94.20% |
| Loans and leases to core deposits | 103.33% |
| Core deposits to total deposits | 92.48% |
| 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 | 94.44% | 96.02% | $0 | $362.4M |
| Q4 2023 | 92.70% | 95.89% | $0 | $253.2M |
| Q1 2024 | 93.42% | 95.87% | $0 | $260.7M |
| Q2 2024 | 95.15% | 95.64% | $0 | $383.6M |
| Q3 2024 | 96.92% | 94.72% | $0 | $507.2M |
| Q4 2024 | 94.00% | 95.00% | $0 | $398.6M |
| Q1 2025 | 97.46% | 95.11% | $0 | $567.3M |
| Q2 2025 | 97.62% | 89.45% | $0 | $617.3M |
| Q3 2025 | 93.67% | 89.86% | $0 | $306.6M |
| Q4 2025 | 88.01% | 89.33% | $0 | $188.3M |
| Q1 2026 | 90.61% | 90.09% | $0 | $162.3M |
| Q2 2026 | 95.56% | 92.48% | $0 | $452.8M |
Johnson Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson 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 Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20296) · FFIEC NIC profile (RSSD 58243)