Sterling 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 Q3 2026 was in Cash and balances due from depository institutions: 305.2% higher than in Q2 2026, at $24.8M. Sterling Bank ranks 100th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 81.98% (Q3 2026). Sterling Bank reported 78.10% on loan-to-deposit ratio for Q3 2026, 2.84 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $107.1M |
| Fed funds sold and reverse repos | $9.1M |
| Fed funds sold and reverse repos to assets | 2.47% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.10% |
| Net loans and leases to deposits | 77.40% |
| Loans and leases to core deposits | 89.27% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 0.00% |
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 |
|---|---|---|---|---|
| Q4 2023 | 77.38% | 89.91% | $0 | $24.0M |
| Q1 2024 | 79.29% | 89.06% | $0 | $23.5M |
| Q2 2024 | 78.00% | 88.58% | $0 | $16.0M |
| Q3 2024 | 77.62% | 87.07% | $0 | $16.0M |
| Q4 2024 | 76.74% | 87.17% | $0 | $9.0M |
| Q1 2025 | 76.40% | 87.29% | $0 | $9.0M |
| Q2 2025 | 77.06% | 88.17% | $0 | $1.8M |
| Q3 2025 | 77.94% | 88.11% | $0 | $1.8M |
| Q4 2025 | 79.89% | 88.23% | $0 | $2.7M |
| Q1 2026 | 80.28% | 88.36% | $0 | $2.7M |
| Q2 2026 | 81.98% | 88.06% | $593K | $2.7M |
| Q3 2026 | 78.10% | 87.49% | $0 | $2.7M |
Sterling Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling 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 Sterling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6195) · FFIEC NIC profile (RSSD 628356)