Wolf River Community 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 Loans and leases to core deposits: 8.72 percentage points higher than in Q1 2026, at 113.95%. Within Wisconsin, Wolf River Community Bank is 19th of 153 on loan-to-deposit ratio, 107.16% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wolf River Community Bank sits 26.32 points higher, at 107.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.2M |
| Fed funds sold and reverse repos | $6.4M |
| Fed funds sold and reverse repos to assets | 1.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $39.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.16% |
| Net loans and leases to deposits | 105.36% |
| Loans and leases to core deposits | 113.95% |
| Core deposits to total deposits | 94.03% |
| 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 | 87.40% | 97.29% | $0 | $0 |
| Q4 2023 | 89.14% | 96.79% | $0 | $0 |
| Q1 2024 | 89.67% | 95.74% | $0 | $1.2M |
| Q2 2024 | 92.90% | 95.80% | $0 | $2.2M |
| Q3 2024 | 95.82% | 95.17% | $0 | $9.7M |
| Q4 2024 | 94.38% | 95.14% | $0 | $11.7M |
| Q1 2025 | 92.03% | 94.75% | $0 | $11.7M |
| Q2 2025 | 93.68% | 94.67% | $0 | $13.4M |
| Q3 2025 | 96.83% | 94.45% | $0 | $13.4M |
| Q4 2025 | 93.55% | 94.65% | $0 | $23.7M |
| Q1 2026 | 99.37% | 94.42% | $0 | $24.2M |
| Q2 2026 | 107.16% | 94.03% | $0 | $39.8M |
Wolf River Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wolf River Community 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 Wolf River Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34240) · FFIEC NIC profile (RSSD 2505424)