The Port Washington 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 711.1% in Q2 2026, from $3.0M to $24.1M. It was the largest change from Q1 2026 among the key lines here. The Port Washington State Bank ranks 130th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 70.67% (Q2 2026). The Port Washington State Bank reported 70.67% on loan-to-deposit ratio for Q2 2026, 17.53 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $304.5M |
| Fed funds sold and reverse repos | $24.1M |
| Fed funds sold and reverse repos to assets | 2.39% |
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 | 70.67% |
| Net loans and leases to deposits | 69.99% |
| Loans and leases to core deposits | 75.12% |
| Core deposits to total deposits | 94.08% |
| 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 | 70.54% | 94.95% | $0 | $45.0M |
| Q4 2023 | 67.06% | 95.29% | $0 | $45.0M |
| Q1 2024 | 69.39% | 94.70% | $0 | $20.0M |
| Q2 2024 | 70.25% | 94.39% | $0 | $20.0M |
| Q3 2024 | 71.81% | 94.11% | $0 | $20.0M |
| Q4 2024 | 69.19% | 94.38% | $0 | $20.0M |
| Q1 2025 | 68.82% | 94.15% | $0 | $20.0M |
| Q2 2025 | 71.27% | 93.76% | $0 | $20.0M |
| Q3 2025 | 71.32% | 93.60% | $0 | $20.0M |
| Q4 2025 | 66.77% | 93.93% | $0 | $0 |
| Q1 2026 | 69.89% | 94.11% | $0 | $0 |
| Q2 2026 | 70.67% | 94.08% | $0 | $0 |
The Port Washington State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Washington 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 The Port Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8698) · FFIEC NIC profile (RSSD 937740)