Marathon 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: 7.04 percentage points lower than in Q1 2026, at 116.70%. On loan-to-deposit ratio, Marathon Bank ranks 14th highest among the 153 banks headquartered in Wisconsin, at 110.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Marathon Bank sits 29.86 points higher, at 110.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 2.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $22.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.81% |
| Net loans and leases to deposits | 109.92% |
| Loans and leases to core deposits | 116.70% |
| Core deposits to total deposits | 87.85% |
| Brokered deposits to total deposits | 7.10% |
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 | 103.33% | 81.93% | $0 | $13.8M |
| Q4 2023 | 107.29% | 84.39% | $0 | $20.8M |
| Q1 2024 | 111.57% | 87.21% | $0 | $23.8M |
| Q2 2024 | 104.53% | 87.24% | $0 | $13.8M |
| Q3 2024 | 101.71% | 87.36% | $0 | $10.8M |
| Q4 2024 | 101.96% | 87.14% | $0 | $10.8M |
| Q1 2025 | 101.17% | 88.94% | $0 | $15.8M |
| Q2 2025 | 110.26% | 87.55% | $0 | $17.1M |
| Q3 2025 | 109.22% | 88.29% | $0 | $17.1M |
| Q4 2025 | 114.90% | 88.42% | $0 | $21.1M |
| Q1 2026 | 117.52% | 87.36% | $0 | $26.1M |
| Q2 2026 | 110.81% | 87.85% | $0 | $22.1M |
Marathon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Marathon 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 Marathon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29745) · FFIEC NIC profile (RSSD 596978)