Waukesha 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 32.4% lower than in Q1 2026, at $71.2M. Within Wisconsin, Waukesha State Bank is 55th of 153 on loan-to-deposit ratio, 94.04% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Waukesha State Bank sits 5.84 points higher, at 94.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $309.5M |
| 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 | $71.2M |
| Other borrowed money | $77.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.04% |
| Net loans and leases to deposits | 93.16% |
| Loans and leases to core deposits | 98.05% |
| Core deposits to total deposits | 95.26% |
| Brokered deposits to total deposits | 0.66% |
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 | 85.48% | 97.97% | $64.8M | $53.9M |
| Q4 2023 | 84.99% | 97.53% | $75.1M | $33.3M |
| Q1 2024 | 85.51% | 96.13% | $80.0M | $34.3M |
| Q2 2024 | 89.64% | 95.86% | $74.5M | $34.3M |
| Q3 2024 | 88.75% | 96.54% | $41.0M | $42.6M |
| Q4 2024 | 92.33% | 96.56% | $82.3M | $49.9M |
| Q1 2025 | 90.73% | 96.92% | $61.8M | $50.4M |
| Q2 2025 | 89.19% | 95.92% | $42.0M | $52.4M |
| Q3 2025 | 90.78% | 95.65% | $40.8M | $52.4M |
| Q4 2025 | 94.20% | 95.55% | $69.9M | $76.2M |
| Q1 2026 | 96.44% | 95.31% | $105.2M | $77.3M |
| Q2 2026 | 94.04% | 95.26% | $71.2M | $77.7M |
Waukesha State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waukesha 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 Waukesha State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16160) · FFIEC NIC profile (RSSD 290249)