The Pineries 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 Loans and leases to core deposits: 3.41 percentage points higher than in Q1 2026, at 84.34%. The Pineries Bank ranks 117th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 76.65% (Q2 2026). The Pineries Bank reported 76.65% on loan-to-deposit ratio for Q2 2026, 3.91 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.8M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.90% |
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 | 76.65% |
| Net loans and leases to deposits | 76.17% |
| Loans and leases to core deposits | 84.34% |
| Core deposits to total deposits | 90.88% |
| 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 | 66.06% | 94.13% | $0 | $0 |
| Q4 2023 | 67.97% | 92.94% | $0 | $0 |
| Q1 2024 | 68.53% | 92.99% | $0 | $0 |
| Q2 2024 | 67.42% | 93.12% | $0 | $0 |
| Q3 2024 | 70.33% | 92.83% | $0 | $0 |
| Q4 2024 | 70.77% | 92.11% | $0 | $0 |
| Q1 2025 | 71.14% | 91.08% | $0 | $0 |
| Q2 2025 | 69.70% | 89.99% | $0 | $0 |
| Q3 2025 | 70.79% | 90.69% | $0 | $351K |
| Q4 2025 | 72.30% | 92.57% | $0 | $0 |
| Q1 2026 | 73.91% | 91.33% | $0 | $0 |
| Q2 2026 | 76.65% | 90.88% | $0 | $0 |
The Pineries Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pineries 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 Pineries Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9526) · FFIEC NIC profile (RSSD 674344)