Security Financial 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 purchased and repos: 100.0% lower than in Q1 2026, at $0. Security Financial Bank ranks 64th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 91.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security Financial Bank sits 3.40 points higher, at 91.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $241.5M |
| Fed funds sold and reverse repos | $323K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $108.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.60% |
| Net loans and leases to deposits | 90.28% |
| Loans and leases to core deposits | 98.86% |
| Core deposits to total deposits | 85.22% |
| Brokered deposits to total deposits | 7.43% |
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 | 79.15% | 93.64% | $5.8M | $40.0M |
| Q4 2023 | 84.09% | 93.68% | $2.0M | $75.0M |
| Q1 2024 | 85.68% | 92.19% | $0 | $100.0M |
| Q2 2024 | 89.60% | 92.09% | $0 | $115.0M |
| Q3 2024 | 86.42% | 91.13% | $0 | $105.0M |
| Q4 2024 | 85.64% | 91.14% | $0 | $85.0M |
| Q1 2025 | 85.48% | 89.74% | $0 | $80.0M |
| Q2 2025 | 86.92% | 88.19% | $0 | $82.4M |
| Q3 2025 | 87.91% | 88.40% | $0 | $82.4M |
| Q4 2025 | 87.76% | 89.36% | $0 | $88.7M |
| Q1 2026 | 90.31% | 87.70% | $19.1M | $78.7M |
| Q2 2026 | 91.60% | 85.22% | $0 | $108.7M |
Security Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Financial 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 Security Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14222) · FFIEC NIC profile (RSSD 450959)