Nicolet National 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 dropped 24.1% in Q2 2026, from $616.2M to $467.6M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Nicolet National Bank is 85th of 153 on loan-to-deposit ratio, 87.02% as of Q2 2026, below the middle of the field. At 87.02%, Nicolet National Bank's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $467.6M |
| Cash and noninterest-bearing balances to assets | 3.04% |
| Cash and securities | $2.48B |
| 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 | $8.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $16.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.02% |
| Net loans and leases to deposits | 85.99% |
| Loans and leases to core deposits | 92.27% |
| Core deposits to total deposits | 90.57% |
| Brokered deposits to total deposits | 3.75% |
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 | 86.34% | 89.79% | $0 | $17.0M |
| Q4 2023 | 87.23% | 89.85% | $0 | $16.3M |
| Q1 2024 | 88.31% | 87.48% | $0 | $15.4M |
| Q2 2024 | 88.77% | 87.03% | $0 | $14.8M |
| Q3 2024 | 88.55% | 88.10% | $0 | $14.3M |
| Q4 2024 | 87.37% | 88.06% | $0 | $13.9M |
| Q1 2025 | 87.37% | 86.12% | $0 | $6.7M |
| Q2 2025 | 89.16% | 86.93% | $0 | $6.3M |
| Q3 2025 | 88.68% | 88.43% | $0 | $5.9M |
| Q4 2025 | 86.49% | 89.39% | $0 | $5.2M |
| Q1 2026 | 86.06% | 89.79% | $0 | $8.5M |
| Q2 2026 | 87.02% | 90.57% | $0 | $8.3M |
Nicolet National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Nicolet National 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 Nicolet National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57038) · FFIEC NIC profile (RSSD 2941068)