Pillar 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 largest change between Q1 2026 and Q2 2026 was in Other borrowed money to assets, which fell 0.53 percentage points to 18.45%. Within Wisconsin, Pillar Bank is 105th of 153 on loan-to-deposit ratio, 80.05% as of Q2 2026, below the middle of the field. At 80.05%, Pillar Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.9M |
| Fed funds sold and reverse repos | $206K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $49.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.05% |
| Net loans and leases to deposits | 78.97% |
| Loans and leases to core deposits | 86.65% |
| Core deposits to total deposits | 92.38% |
| 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 | 73.62% | 94.19% | $3.2M | $34.8M |
| Q4 2023 | 75.46% | 93.34% | $3.2M | $38.3M |
| Q1 2024 | 78.82% | 92.28% | $4.6M | $40.4M |
| Q2 2024 | 80.29% | 92.72% | $4.6M | $48.2M |
| Q3 2024 | 77.40% | 88.92% | $0 | $48.2M |
| Q4 2024 | 74.61% | 89.02% | $0 | $47.8M |
| Q1 2025 | 74.05% | 89.16% | $0 | $45.3M |
| Q2 2025 | 82.60% | 90.48% | $0 | $58.8M |
| Q3 2025 | 84.35% | 92.27% | $0 | $61.0M |
| Q4 2025 | 81.85% | 92.38% | $0 | $51.1M |
| Q1 2026 | 80.18% | 92.32% | $0 | $50.6M |
| Q2 2026 | 80.05% | 92.38% | $0 | $49.3M |
Pillar Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pillar 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 Pillar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5336) · FFIEC NIC profile (RSSD 143952)