Tri City National 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 Q2 2026 was in Cash and balances due from depository institutions: 10.9% lower than in Q1 2026, at $192.6M. Within Wisconsin, Tri City National Bank is 132nd of 153 on loan-to-deposit ratio, 66.67% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Tri City National Bank sits 21.53 points lower, at 66.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $192.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $689.0M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 0.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $693K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.67% |
| Net loans and leases to deposits | 65.86% |
| Loans and leases to core deposits | 68.63% |
| Core deposits to total deposits | 97.15% |
| 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 | 70.02% | 98.86% | $0 | $150.0M |
| Q4 2023 | 66.32% | 98.65% | $0 | $150.0M |
| Q1 2024 | 67.77% | 98.10% | $0 | $150.0M |
| Q2 2024 | 70.63% | 98.03% | $0 | $150.0M |
| Q3 2024 | 71.55% | 97.86% | $0 | $150.0M |
| Q4 2024 | 67.71% | 97.98% | $0 | $0 |
| Q1 2025 | 70.11% | 97.79% | $0 | $276K |
| Q2 2025 | 69.48% | 97.66% | $0 | $693K |
| Q3 2025 | 66.29% | 97.45% | $0 | $693K |
| Q4 2025 | 64.57% | 97.28% | $0 | $693K |
| Q1 2026 | 66.56% | 97.14% | $0 | $693K |
| Q2 2026 | 66.67% | 97.15% | $0 | $693K |
Tri City National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri City National 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 Tri City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18922) · FFIEC NIC profile (RSSD 242444)