Superior Savings 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.
Loan-to-deposit ratio dropped 4.95 percentage points in Q2 2026, from 107.21% to 102.26%. It was the largest change from Q1 2026 among the key lines here. Superior Savings Bank ranks 29th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 102.26% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, Superior Savings Bank reported 102.26% on loan-to-deposit ratio in Q2 2026, 34.63 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.6M |
| 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 | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.26% |
| Net loans and leases to deposits | 100.05% |
| Loans and leases to core deposits | 102.26% |
| Core deposits to total deposits | 100.00% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 92.87% | 98.53% | $0 | $0 |
| Q4 2023 | 91.86% | 98.62% | $0 | $0 |
| Q1 2024 | 99.78% | 98.56% | $0 | $0 |
| Q2 2024 | 100.01% | 98.56% | $0 | $0 |
| Q3 2024 | 104.57% | 98.55% | $0 | $0 |
| Q4 2024 | 108.48% | 98.54% | $0 | $2.0M |
| Q1 2025 | 112.47% | 98.93% | $0 | $2.0M |
| Q2 2025 | 111.32% | 98.94% | $0 | $0 |
| Q3 2025 | 102.73% | 100.00% | $0 | $0 |
| Q4 2025 | 105.12% | 100.00% | $0 | $0 |
| Q1 2026 | 107.21% | 100.00% | $0 | $0 |
| Q2 2026 | 102.26% | 100.00% | $0 | $0 |
Superior Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Superior Savings 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 Superior Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28790) · FFIEC NIC profile (RSSD 575375)