North Shore 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.
Loans and leases to core deposits climbed 2.06 percentage points in Q2 2026, from 97.06% to 99.12%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, North Shore Bank is 51st of 153 on loan-to-deposit ratio, 95.10% as of Q2 2026, above the middle of the field. North Shore Bank reported 95.10% on loan-to-deposit ratio for Q2 2026, 6.90 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $201.2M |
| Cash and noninterest-bearing balances to assets | 7.71% |
| Cash and securities | $432.1M |
| 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 | $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 | 95.10% |
| Net loans and leases to deposits | 94.46% |
| Loans and leases to core deposits | 99.12% |
| Core deposits to total deposits | 95.95% |
| 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 | 91.68% | 98.00% | $0 | $150.0M |
| Q4 2023 | 91.68% | 97.77% | $0 | $150.0M |
| Q1 2024 | 92.51% | 97.41% | $0 | $150.0M |
| Q2 2024 | 93.47% | 97.13% | $0 | $150.0M |
| Q3 2024 | 93.07% | 96.77% | $0 | $150.0M |
| Q4 2024 | 91.54% | 96.63% | $0 | $150.0M |
| Q1 2025 | 92.69% | 96.53% | $0 | $0 |
| Q2 2025 | 92.09% | 96.41% | $0 | $0 |
| Q3 2025 | 90.57% | 96.03% | $0 | $0 |
| Q4 2025 | 91.63% | 95.91% | $0 | $0 |
| Q1 2026 | 93.17% | 95.99% | $0 | $0 |
| Q2 2026 | 95.10% | 95.95% | $0 | $0 |
North Shore Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore 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 North Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28679) · FFIEC NIC profile (RSSD 376273)