The Park 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 Fed funds sold and reverse repos: 62.6% lower than in Q1 2026, at $513K. The Park Bank ranks 24th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 104.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Park Bank sits 16.60 points higher, at 104.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $192.3M |
| Fed funds sold and reverse repos | $513K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $736K |
| Other borrowed money | $118.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.69% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.80% |
| Net loans and leases to deposits | 103.51% |
| Loans and leases to core deposits | 110.37% |
| Core deposits to total deposits | 92.59% |
| Brokered deposits to total deposits | 2.36% |
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 | 111.16% | 94.94% | $0 | $165.2M |
| Q4 2023 | 112.55% | 94.88% | $0 | $200.2M |
| Q1 2024 | 112.96% | 94.79% | $288K | $190.2M |
| Q2 2024 | 111.72% | 93.50% | $44K | $178.1M |
| Q3 2024 | 110.87% | 92.66% | $0 | $183.5M |
| Q4 2024 | 107.09% | 93.65% | $3.3M | $135.5M |
| Q1 2025 | 105.03% | 94.82% | $0 | $124.5M |
| Q2 2025 | 108.34% | 93.75% | $405K | $153.4M |
| Q3 2025 | 107.66% | 92.14% | $0 | $153.4M |
| Q4 2025 | 101.75% | 92.75% | $0 | $113.4M |
| Q1 2026 | 102.61% | 91.80% | $0 | $113.3M |
| Q2 2026 | 104.80% | 92.59% | $736K | $118.3M |
The Park Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park 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 The Park Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19608) · FFIEC NIC profile (RSSD 403946)