Waumandee 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 Other borrowed money: 46.2% lower than in Q1 2026, at $3.5M. Waumandee State Bank ranks 95th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 84.21% (Q2 2026). Waumandee State Bank reported 84.21% on loan-to-deposit ratio for Q2 2026, 3.38 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 | $23.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.5M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 1.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.21% |
| Net loans and leases to deposits | 83.25% |
| Loans and leases to core deposits | 90.67% |
| Core deposits to total deposits | 92.88% |
| 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 | 87.64% | 94.49% | $0 | $19.0M |
| Q4 2023 | 88.58% | 93.28% | $0 | $19.0M |
| Q1 2024 | 92.73% | 93.24% | $0 | $23.0M |
| Q2 2024 | 91.87% | 93.76% | $0 | $17.0M |
| Q3 2024 | 92.30% | 93.72% | $2.9M | $14.0M |
| Q4 2024 | 91.96% | 94.14% | $0 | $21.0M |
| Q1 2025 | 89.20% | 94.28% | $0 | $12.5M |
| Q2 2025 | 90.32% | 93.82% | $0 | $12.5M |
| Q3 2025 | 91.43% | 93.32% | $86K | $12.5M |
| Q4 2025 | 87.17% | 93.49% | $0 | $9.5M |
| Q1 2026 | 81.63% | 92.82% | $0 | $6.5M |
| Q2 2026 | 84.21% | 92.88% | $0 | $3.5M |
Waumandee State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waumandee 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 Waumandee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10384) · FFIEC NIC profile (RSSD 780955)