State Bank of Chilton: 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: 443.8% higher than in Q1 2026, at $7.2M. Within Wisconsin, State Bank of Chilton is 33rd of 153 on loan-to-deposit ratio, 100.54% as of Q2 2026, above the middle of the field. State Bank of Chilton reported 100.54% on loan-to-deposit ratio for Q2 2026, 19.60 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.5M |
| Fed funds sold and reverse repos | $7.2M |
| Fed funds sold and reverse repos to assets | 1.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.54% |
| Net loans and leases to deposits | 98.79% |
| Loans and leases to core deposits | 112.46% |
| Core deposits to total deposits | 89.37% |
| Brokered deposits to total deposits | 0.03% |
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 | 91.12% | 85.67% | $0 | $5.0M |
| Q4 2023 | 92.49% | 86.78% | $0 | $0 |
| Q1 2024 | 94.35% | 89.32% | $0 | $10.0M |
| Q2 2024 | 92.71% | 88.88% | $0 | $10.0M |
| Q3 2024 | 94.71% | 88.38% | $0 | $15.0M |
| Q4 2024 | 95.93% | 93.15% | $0 | $15.0M |
| Q1 2025 | 97.62% | 92.67% | $0 | $20.0M |
| Q2 2025 | 95.27% | 91.44% | $0 | $20.0M |
| Q3 2025 | 94.57% | 91.12% | $0 | $15.0M |
| Q4 2025 | 94.81% | 91.15% | $0 | $18.4M |
| Q1 2026 | 98.08% | 89.57% | $0 | $13.4M |
| Q2 2026 | 100.54% | 89.37% | $0 | $13.4M |
State Bank of Chilton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Chilton, 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 State Bank of Chilton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12331) · FFIEC NIC profile (RSSD 120542)