Town Bank, N.A.: 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 Brokered deposits to total deposits: 1.46 percentage points higher than in Q1 2026, at 13.36%. Town Bank, N.A. ranks 62nd of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 92.18% (Q2 2026). Town Bank, N.A. reported 92.18% on loan-to-deposit ratio for Q2 2026, 3.97 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $88.5M |
| Cash and noninterest-bearing balances to assets | 1.88% |
| Cash and securities | $954.6M |
| Fed funds sold and reverse repos | $4K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $65.0M |
| Other borrowed money | $300.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.39% |
| Trading liabilities | $8.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.18% |
| Net loans and leases to deposits | 91.68% |
| Loans and leases to core deposits | 97.43% |
| Core deposits to total deposits | 81.24% |
| Brokered deposits to total deposits | 13.36% |
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 | 86.63% | 86.66% | $25.0M | $251.1M |
| Q4 2023 | 85.77% | 84.06% | $0 | $251.1M |
| Q1 2024 | 83.69% | 83.46% | $0 | $301.8M |
| Q2 2024 | 83.46% | 81.90% | $0 | $276.3M |
| Q3 2024 | 87.96% | 83.83% | $0 | $276.3M |
| Q4 2024 | 87.99% | 85.37% | $0 | $276.3M |
| Q1 2025 | 89.72% | 84.07% | $16.0M | $276.3M |
| Q2 2025 | 90.53% | 81.26% | $0 | $276.3M |
| Q3 2025 | 88.09% | 82.49% | $0 | $276.3M |
| Q4 2025 | 89.36% | 82.24% | $0 | $276.3M |
| Q1 2026 | 91.11% | 82.34% | $0 | $276.3M |
| Q2 2026 | 92.18% | 81.24% | $65.0M | $300.7M |
Town Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Bank, N.A., 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 Town Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34717) · FFIEC NIC profile (RSSD 2693264)