Shell Lake 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 96.5% higher than in Q1 2026, at $7.8M. Within Wisconsin, Shell Lake State Bank is 118th of 153 on loan-to-deposit ratio, 76.63% as of Q2 2026. Shell Lake State Bank reported 76.63% on loan-to-deposit ratio for Q2 2026, 3.92 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 | $7.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.5M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 0.90% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.1M |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.63% |
| Net loans and leases to deposits | 75.65% |
| Loans and leases to core deposits | 84.60% |
| Core deposits to total deposits | 89.94% |
| Brokered deposits to total deposits | 0.64% |
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 | 76.77% | 92.80% | $1.8M | $23.0M |
| Q4 2023 | 77.36% | 92.30% | $1.3M | $23.0M |
| Q1 2024 | 77.88% | 90.39% | $1.9M | $23.0M |
| Q2 2024 | 79.05% | 89.84% | $1.6M | $20.5M |
| Q3 2024 | 76.51% | 89.07% | $1.3M | $20.5M |
| Q4 2024 | 76.33% | 89.52% | $1.1M | $15.5M |
| Q1 2025 | 78.04% | 89.28% | $2.2M | $17.5M |
| Q2 2025 | 76.00% | 88.92% | $2.1M | $12.5M |
| Q3 2025 | 73.56% | 88.59% | $2.1M | $10.0M |
| Q4 2025 | 73.06% | 88.34% | $1.2M | $5.0M |
| Q1 2026 | 76.92% | 89.61% | $2.7M | $5.0M |
| Q2 2026 | 76.63% | 89.94% | $1.1M | $5.0M |
Shell Lake State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Shell Lake 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 Shell Lake State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14911) · FFIEC NIC profile (RSSD 896155)