Ladysmith Federal Savings & Loan Association: 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.
Cash and balances due from depository institutions dropped 18.2% in Q2 2026, from $4.8M to $4.0M. It was the largest change from Q1 2026 among the key lines here. Ladysmith Federal Savings & Loan Association ranks 32nd of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 100.72% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Ladysmith Federal Savings & Loan Association sits 33.10 points higher, at 100.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.8M |
| 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 | $1.1M |
| Other borrowed money | $11.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.72% |
| Net loans and leases to deposits | 99.91% |
| Loans and leases to core deposits | 108.86% |
| Core deposits to total deposits | 92.53% |
| 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 | 86.49% | 93.68% | $1.2M | $8.5M |
| Q4 2023 | 91.60% | 93.71% | $2.6M | $10.3M |
| Q1 2024 | 96.64% | 93.64% | $2.7M | $11.7M |
| Q2 2024 | 99.29% | 93.72% | $2.8M | $14.4M |
| Q3 2024 | 104.79% | 93.57% | $1.0M | $15.7M |
| Q4 2024 | 102.96% | 93.62% | $1.5M | $15.4M |
| Q1 2025 | 103.59% | 92.78% | $1.4M | $16.1M |
| Q2 2025 | 101.12% | 93.00% | $517K | $13.6M |
| Q3 2025 | 103.47% | 97.30% | $1.9M | $13.8M |
| Q4 2025 | 101.80% | 93.02% | $2.2M | $12.8M |
| Q1 2026 | 101.96% | 93.32% | $1.3M | $12.0M |
| Q2 2026 | 100.72% | 92.53% | $1.1M | $11.6M |
Ladysmith Federal Savings & Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ladysmith Federal Savings & Loan Association, 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 Ladysmith Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28983) · FFIEC NIC profile (RSSD 686570)