Lake Ridge 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 Fed funds sold and reverse repos: 567.4% higher than in Q1 2026, at $61.5M. Within Wisconsin, Lake Ridge Bank is 79th of 153 on loan-to-deposit ratio, 87.94% as of Q2 2026, below the middle of the field. At 87.94%, Lake Ridge Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $223.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $706.8M |
| Fed funds sold and reverse repos | $61.5M |
| Fed funds sold and reverse repos to assets | 1.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $183.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.94% |
| Net loans and leases to deposits | 87.04% |
| Loans and leases to core deposits | 89.44% |
| Core deposits to total deposits | 98.12% |
| Brokered deposits to total deposits | 0.20% |
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 | 103.07% | 97.56% | $0 | $338.0M |
| Q4 2023 | 99.64% | 97.02% | $3.5M | $253.0M |
| Q1 2024 | 98.29% | 96.67% | $0 | $223.0M |
| Q2 2024 | 98.93% | 96.64% | $15.5M | $178.8M |
| Q3 2024 | 98.02% | 96.56% | $0 | $203.8M |
| Q4 2024 | 92.90% | 96.92% | $0 | $203.8M |
| Q1 2025 | 93.71% | 97.48% | $0 | $203.8M |
| Q2 2025 | 93.82% | 97.80% | $0 | $203.8M |
| Q3 2025 | 92.08% | 97.86% | $0 | $203.8M |
| Q4 2025 | 88.90% | 97.90% | $0 | $197.8M |
| Q1 2026 | 88.37% | 97.96% | $0 | $197.8M |
| Q2 2026 | 87.94% | 98.12% | $0 | $183.8M |
Lake Ridge Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Ridge 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 Lake Ridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15091) · FFIEC NIC profile (RSSD 525549)