Prevail 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 Cash and balances due from depository institutions: 185.3% higher than in Q1 2026, at $43.2M. Within Wisconsin, Prevail Bank is 53rd of 153 on loan-to-deposit ratio, 94.44% as of Q2 2026. Prevail Bank reported 94.44% on loan-to-deposit ratio for Q2 2026, 6.24 points above 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 | $43.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $208.8M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 0.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $99.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.44% |
| Net loans and leases to deposits | 93.32% |
| Loans and leases to core deposits | 102.39% |
| Core deposits to total deposits | 83.69% |
| Brokered deposits to total deposits | 8.55% |
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 | 87.12% | 86.88% | $0 | $108.2M |
| Q4 2023 | 92.48% | 86.76% | $0 | $109.2M |
| Q1 2024 | 95.63% | 90.79% | $0 | $141.2M |
| Q2 2024 | 94.17% | 90.63% | $0 | $131.2M |
| Q3 2024 | 94.82% | 89.43% | $0 | $109.8M |
| Q4 2024 | 91.10% | 89.06% | $0 | $90.8M |
| Q1 2025 | 92.05% | 88.81% | $0 | $85.8M |
| Q2 2025 | 95.50% | 88.54% | $366K | $95.8M |
| Q3 2025 | 97.10% | 87.76% | $0 | $100.8M |
| Q4 2025 | 97.54% | 88.98% | $1.1M | $90.8M |
| Q1 2026 | 99.23% | 83.42% | $2.5M | $113.6M |
| Q2 2026 | 94.44% | 83.69% | $0 | $99.1M |
Prevail Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prevail 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 Prevail Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29294) · FFIEC NIC profile (RSSD 27070)