Partners 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 68.2% in Q2 2026, from $11.3M to $18.9M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Partners Bank is 107th of 153 on loan-to-deposit ratio, 79.52% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Partners Bank reported 79.52% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.2M |
| Fed funds sold and reverse repos | $18.9M |
| Fed funds sold and reverse repos to assets | 6.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.7M |
| Other borrowed money | $22.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.52% |
| Net loans and leases to deposits | 78.28% |
| Loans and leases to core deposits | 83.73% |
| Core deposits to total deposits | 94.71% |
| Brokered deposits to total deposits | 0.26% |
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 | 86.37% | 93.74% | $10.8M | $21.9M |
| Q4 2023 | 85.78% | 95.17% | $9.0M | $26.4M |
| Q1 2024 | 78.83% | 94.65% | $5.8M | $23.4M |
| Q2 2024 | 81.58% | 94.69% | $8.4M | $22.6M |
| Q3 2024 | 77.56% | 94.87% | $8.8M | $19.6M |
| Q4 2024 | 83.50% | 94.39% | $8.2M | $20.1M |
| Q1 2025 | 85.29% | 94.41% | $3.0M | $22.1M |
| Q2 2025 | 88.90% | 94.13% | $5.5M | $24.6M |
| Q3 2025 | 82.69% | 94.50% | $4.9M | $24.6M |
| Q4 2025 | 83.95% | 94.30% | $3.5M | $23.6M |
| Q1 2026 | 83.63% | 94.72% | $3.6M | $22.6M |
| Q2 2026 | 79.52% | 94.71% | $3.7M | $22.6M |
Partners Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12513) · FFIEC NIC profile (RSSD 114149)