Spring 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 Loans and leases to core deposits: 3.46 percentage points lower than in Q1 2026, at 136.00%. On loan-to-deposit ratio, Spring Bank ranks 13th highest among the 153 banks headquartered in Wisconsin, at 111.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Spring Bank sits 30.58 points higher, at 111.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.0M |
| Fed funds sold and reverse repos | $333K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $55.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.13% |
| Net loans and leases to deposits | 109.67% |
| Loans and leases to core deposits | 136.00% |
| Core deposits to total deposits | 76.26% |
| Brokered deposits to total deposits | 5.46% |
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 | 99.60% | 78.38% | $0 | $42.6M |
| Q4 2023 | 105.11% | 75.53% | $0 | $47.5M |
| Q1 2024 | 104.73% | 76.00% | $0 | $51.5M |
| Q2 2024 | 107.72% | 76.60% | $0 | $46.5M |
| Q3 2024 | 106.08% | 76.72% | $0 | $42.8M |
| Q4 2024 | 110.93% | 76.34% | $0 | $42.8M |
| Q1 2025 | 111.94% | 78.15% | $0 | $50.8M |
| Q2 2025 | 112.25% | 76.69% | $0 | $51.0M |
| Q3 2025 | 109.10% | 75.70% | $0 | $50.2M |
| Q4 2025 | 115.83% | 74.31% | $0 | $60.2M |
| Q1 2026 | 112.75% | 74.94% | $0 | $58.2M |
| Q2 2026 | 111.13% | 76.26% | $0 | $55.2M |
Spring Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring 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 Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58780) · FFIEC NIC profile (RSSD 3721605)