Premier Community 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: 56.0% lower than in Q1 2026, at $10.5M. Premier Community Bank ranks 102nd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 81.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Premier Community Bank reported 81.15% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.0M |
| Fed funds sold and reverse repos | $10.5M |
| Fed funds sold and reverse repos to assets | 1.89% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.15% |
| Net loans and leases to deposits | 80.17% |
| Loans and leases to core deposits | 84.61% |
| Core deposits to total deposits | 82.79% |
| Brokered deposits to total deposits | 13.13% |
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 | 81.80% | 85.96% | $788K | $32.0M |
| Q4 2023 | 84.36% | 88.79% | $4.6M | $39.0M |
| Q1 2024 | 79.14% | 84.11% | $0 | $33.0M |
| Q2 2024 | 78.80% | 80.42% | $0 | $23.0M |
| Q3 2024 | 77.38% | 76.93% | $0 | $22.0M |
| Q4 2024 | 78.41% | 77.76% | $0 | $22.0M |
| Q1 2025 | 77.17% | 77.35% | $0 | $12.0M |
| Q2 2025 | 80.49% | 77.40% | $0 | $12.0M |
| Q3 2025 | 81.87% | 78.81% | $0 | $17.0M |
| Q4 2025 | 78.09% | 79.33% | $0 | $18.0M |
| Q1 2026 | 79.55% | 82.33% | $0 | $18.0M |
| Q2 2026 | 81.15% | 82.79% | $0 | $15.0M |
Premier Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Community 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 Premier Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15799) · FFIEC NIC profile (RSSD 597546)