Keysavings 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 Loans and leases to core deposits: 6.01 percentage points lower than in Q1 2026, at 87.03%. Within Wisconsin, Keysavings Bank is 108th of 153 on loan-to-deposit ratio, 79.25% as of Q2 2026, below the middle of the field. At 79.25%, Keysavings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.8M |
| 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 | $18.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.25% |
| Net loans and leases to deposits | 78.83% |
| Loans and leases to core deposits | 87.03% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 12.09% |
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 | 69.60% | 93.98% | $0 | $10.5M |
| Q4 2023 | 73.99% | 91.66% | $0 | $15.0M |
| Q1 2024 | 73.42% | 82.43% | $0 | $17.0M |
| Q2 2024 | 75.43% | 83.29% | $0 | $18.2M |
| Q3 2024 | 72.35% | 89.26% | $0 | $17.7M |
| Q4 2024 | 72.74% | 89.85% | $0 | $18.9M |
| Q1 2025 | 75.15% | 89.11% | $0 | $19.4M |
| Q2 2025 | 77.99% | 83.02% | $0 | $19.1M |
| Q3 2025 | 76.50% | 81.73% | $0 | $16.4M |
| Q4 2025 | 79.87% | 82.50% | $0 | $19.4M |
| Q1 2026 | 82.39% | 83.28% | $0 | $20.4M |
| Q2 2026 | 79.25% | 86.02% | $0 | $18.1M |
Keysavings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Keysavings 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 Keysavings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29691) · FFIEC NIC profile (RSSD 208972)