Waldo State 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.
Cash and balances due from depository institutions dropped 17.3% in Q2 2026, from $9.2M to $7.6M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Waldo State Bank is 60th of 153 on loan-to-deposit ratio, 92.82% as of Q2 2026, above the middle of the field. Waldo State Bank reported 92.82% on loan-to-deposit ratio for Q2 2026, 11.98 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.6M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 3.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.82% |
| Net loans and leases to deposits | 92.07% |
| Loans and leases to core deposits | 106.18% |
| Core deposits to total deposits | 84.07% |
| Brokered deposits to total deposits | 6.87% |
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 | 98.97% | 92.75% | $0 | $14.5M |
| Q4 2023 | 99.32% | 92.37% | $0 | $14.5M |
| Q1 2024 | 101.55% | 92.49% | $0 | $14.5M |
| Q2 2024 | 101.32% | 92.07% | $0 | $12.0M |
| Q3 2024 | 103.55% | 92.87% | $0 | $15.5M |
| Q4 2024 | 105.80% | 92.07% | $954K | $16.5M |
| Q1 2025 | 100.18% | 87.13% | $0 | $14.5M |
| Q2 2025 | 95.85% | 85.99% | $0 | $14.5M |
| Q3 2025 | 94.40% | 84.92% | $0 | $8.0M |
| Q4 2025 | 88.78% | 83.45% | $0 | $5.5M |
| Q1 2026 | 92.36% | 84.90% | $0 | $10.5M |
| Q2 2026 | 92.82% | 84.07% | $0 | $10.5M |
Waldo State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waldo State 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 Waldo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8700) · FFIEC NIC profile (RSSD 131940)