Bank of Walker County: 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 sold and reverse repos: 52.2% higher than in Q1 2026, at $6.3M. Within Alabama, Bank of Walker County is 21st of 93 on loan-to-deposit ratio, 83.39% as of Q2 2026, above the middle of the field. Bank of Walker County reported 83.39% on loan-to-deposit ratio for Q2 2026, 15.76 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.1M |
| Fed funds sold and reverse repos | $6.3M |
| Fed funds sold and reverse repos to assets | 6.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 83.39% |
| Net loans and leases to deposits | 82.29% |
| Loans and leases to core deposits | 102.52% |
| Core deposits to total deposits | 81.34% |
| 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 | 82.88% | 85.16% | $0 | $0 |
| Q4 2023 | 84.77% | 84.70% | $0 | $0 |
| Q1 2024 | 81.39% | 82.15% | $0 | $0 |
| Q2 2024 | 84.89% | 80.98% | $0 | $0 |
| Q3 2024 | 81.43% | 79.56% | $0 | $0 |
| Q4 2024 | 76.22% | 80.56% | $0 | $0 |
| Q1 2025 | 84.08% | 83.17% | $0 | $0 |
| Q2 2025 | 83.93% | 82.13% | $0 | $0 |
| Q3 2025 | 84.26% | 81.20% | $0 | $0 |
| Q4 2025 | 87.14% | 81.67% | $0 | $0 |
| Q1 2026 | 86.20% | 81.13% | $0 | $0 |
| Q2 2026 | 83.39% | 81.34% | $0 | $0 |
Bank of Walker County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Walker County, 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 Bank of Walker County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57640) · FFIEC NIC profile (RSSD 3254297)