Northern 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.
Fed funds sold and reverse repos climbed 672.8% in Q2 2026, from $1.2M to $8.9M. It was the largest change from Q1 2026 among the key lines here. Northern State Bank has the 8th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 52.66% as of Q2 2026. Northern State Bank reported 52.66% on loan-to-deposit ratio for Q2 2026, 28.18 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 | $46.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $162.6M |
| Fed funds sold and reverse repos | $8.9M |
| Fed funds sold and reverse repos to assets | 2.70% |
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 | 52.66% |
| Net loans and leases to deposits | 52.07% |
| Loans and leases to core deposits | 54.18% |
| Core deposits to total deposits | 97.19% |
| 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 | 55.04% | 98.40% | $0 | $0 |
| Q4 2023 | 53.92% | 98.61% | $0 | $0 |
| Q1 2024 | 55.92% | 97.71% | $0 | $0 |
| Q2 2024 | 58.43% | 97.63% | $0 | $0 |
| Q3 2024 | 59.98% | 97.32% | $0 | $0 |
| Q4 2024 | 59.08% | 97.39% | $0 | $0 |
| Q1 2025 | 56.54% | 97.57% | $0 | $0 |
| Q2 2025 | 57.87% | 97.52% | $0 | $0 |
| Q3 2025 | 53.80% | 97.40% | $0 | $0 |
| Q4 2025 | 52.17% | 97.43% | $0 | $0 |
| Q1 2026 | 50.79% | 97.29% | $0 | $0 |
| Q2 2026 | 52.66% | 97.19% | $0 | $0 |
Northern State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern 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 Northern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15242) · FFIEC NIC profile (RSSD 625757)