State Bank of Reeseville: 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.
Loans and leases to core deposits climbed 4.82 percentage points in Q2 2026, from 65.31% to 70.13%. It was the largest change from Q1 2026 among the key lines here. State Bank of Reeseville ranks 134th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 66.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of Reeseville sits 14.37 points lower, at 66.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $461K |
| Other borrowed money | $14.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.47% |
| Net loans and leases to deposits | 66.09% |
| Loans and leases to core deposits | 70.13% |
| Core deposits to total deposits | 52.21% |
| Brokered deposits to total deposits | 42.57% |
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 | 77.94% | 81.24% | $0 | $37.0M |
| Q4 2023 | 58.68% | 60.36% | $493K | $17.9M |
| Q1 2024 | 57.97% | 64.38% | $0 | $17.9M |
| Q2 2024 | 68.05% | 68.12% | $0 | $33.0M |
| Q3 2024 | 60.96% | 57.42% | $0 | $19.0M |
| Q4 2024 | 60.38% | 55.62% | $38K | $18.5M |
| Q1 2025 | 60.52% | 56.12% | $0 | $17.5M |
| Q2 2025 | 59.42% | 55.76% | $0 | $15.0M |
| Q3 2025 | 59.53% | 52.69% | $907K | $19.5M |
| Q4 2025 | 60.01% | 56.95% | $0 | $22.5M |
| Q1 2026 | 62.57% | 55.82% | $133K | $12.0M |
| Q2 2026 | 66.47% | 52.21% | $461K | $14.7M |
State Bank of Reeseville 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 Reeseville, 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 Reeseville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14960) · FFIEC NIC profile (RSSD 159645)