The Stephenson National Bank and Trust: 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: 75.6% higher than in Q1 2026, at $16.9M. The Stephenson National Bank and Trust ranks 92nd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 84.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Stephenson National Bank and Trust sits 4.07 points higher, at 84.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $153.0M |
| Fed funds sold and reverse repos | $6K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.5M |
| Other borrowed money | $17.5M |
| 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 | 84.91% |
| Net loans and leases to deposits | 83.69% |
| Loans and leases to core deposits | 88.38% |
| Core deposits to total deposits | 95.22% |
| Brokered deposits to total deposits | 0.85% |
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 | 85.26% | 96.22% | $24.1M | $25.0M |
| Q4 2023 | 86.54% | 96.01% | $22.3M | $30.0M |
| Q1 2024 | 79.86% | 95.80% | $17.4M | $30.0M |
| Q2 2024 | 83.39% | 95.40% | $16.8M | $30.0M |
| Q3 2024 | 83.45% | 95.15% | $24.9M | $27.5M |
| Q4 2024 | 83.06% | 95.06% | $23.5M | $22.5M |
| Q1 2025 | 83.88% | 95.07% | $23.7M | $22.5M |
| Q2 2025 | 84.55% | 95.03% | $6.8M | $22.5M |
| Q3 2025 | 84.89% | 95.93% | $5.1M | $22.5M |
| Q4 2025 | 87.88% | 96.19% | $4.5M | $31.4M |
| Q1 2026 | 85.73% | 95.36% | $3.6M | $17.5M |
| Q2 2026 | 84.91% | 95.22% | $3.5M | $17.5M |
The Stephenson National Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Stephenson National Bank and Trust, 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 The Stephenson National Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5306) · FFIEC NIC profile (RSSD 598048)