Laona 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.
Cash and balances due from depository institutions climbed 25.3% in Q2 2026, from $20.5M to $25.7M. It was the largest change from Q1 2026 among the key lines here. Laona State Bank has the 11th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 59.29% as of Q2 2026. Laona State Bank reported 59.29% on loan-to-deposit ratio for Q2 2026, 21.55 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $126.7M |
| Fed funds sold and reverse repos | $6.7M |
| Fed funds sold and reverse repos to assets | 2.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.29% |
| Net loans and leases to deposits | 58.60% |
| Loans and leases to core deposits | 65.49% |
| Core deposits to total deposits | 90.54% |
| 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 | 54.03% | 92.94% | $0 | $0 |
| Q4 2023 | 57.36% | 92.42% | $0 | $0 |
| Q1 2024 | 58.25% | 90.33% | $0 | $0 |
| Q2 2024 | 58.94% | 89.65% | $0 | $0 |
| Q3 2024 | 57.48% | 88.90% | $0 | $0 |
| Q4 2024 | 58.97% | 88.81% | $0 | $0 |
| Q1 2025 | 60.35% | 89.42% | $0 | $0 |
| Q2 2025 | 58.82% | 90.66% | $0 | $0 |
| Q3 2025 | 55.78% | 91.61% | $0 | $0 |
| Q4 2025 | 58.08% | 91.18% | $0 | $0 |
| Q1 2026 | 59.50% | 90.20% | $0 | $0 |
| Q2 2026 | 59.29% | 90.54% | $0 | $0 |
Laona State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Laona 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 Laona State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11601) · FFIEC NIC profile (RSSD 178150)