Woodtrust 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: 5.09 percentage points lower than in Q1 2026, at 63.77%. On loan-to-deposit ratio, Woodtrust Bank is 16th from the bottom among 153 Wisconsin banks, 63.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Woodtrust Bank sits 17.47 points lower, at 63.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $191.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $347.6M |
| 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 | $63.3M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.47% |
| Net loans and leases to deposits | 62.37% |
| Loans and leases to core deposits | 63.77% |
| Core deposits to total deposits | 99.53% |
| 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 | 71.59% | 98.46% | $35.5M | $0 |
| Q4 2023 | 64.43% | 98.64% | $29.1M | $0 |
| Q1 2024 | 67.47% | 98.64% | $38.8M | $0 |
| Q2 2024 | 67.80% | 98.62% | $13.1M | $0 |
| Q3 2024 | 65.48% | 98.73% | $37.9M | $0 |
| Q4 2024 | 63.24% | 98.74% | $63.3M | $0 |
| Q1 2025 | 68.52% | 98.79% | $53.9M | $0 |
| Q2 2025 | 70.06% | 98.73% | $38.9M | $0 |
| Q3 2025 | 69.05% | 99.46% | $71.4M | $0 |
| Q4 2025 | 70.07% | 99.46% | $29.2M | $0 |
| Q1 2026 | 68.48% | 99.46% | $64.5M | $0 |
| Q2 2026 | 63.47% | 99.53% | $63.3M | $0 |
Woodtrust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodtrust 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 Woodtrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5335) · FFIEC NIC profile (RSSD 833749)