Bank of Washington: 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: 1.99 percentage points lower than in Q1 2026, at 124.02%. On loan-to-deposit ratio, Bank of Washington ranks 3rd highest among the 192 banks headquartered in Missouri, at 116.09% (Q2 2026). Bank of Washington reported 116.09% on loan-to-deposit ratio for Q2 2026, 27.88 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $68.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.7M |
| 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 | $0 |
| Other borrowed money | $105.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 116.09% |
| Net loans and leases to deposits | 113.66% |
| Loans and leases to core deposits | 124.02% |
| Core deposits to total deposits | 93.60% |
| 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 | 119.58% | 85.65% | $0 | $143.0M |
| Q4 2023 | 115.04% | 85.60% | $0 | $120.0M |
| Q1 2024 | 108.08% | 87.44% | $0 | $50.0M |
| Q2 2024 | 113.69% | 87.56% | $0 | $89.0M |
| Q3 2024 | 116.89% | 89.73% | $0 | $114.0M |
| Q4 2024 | 114.37% | 89.81% | $0 | $114.0M |
| Q1 2025 | 117.08% | 88.81% | $0 | $129.0M |
| Q2 2025 | 111.96% | 88.89% | $0 | $80.0M |
| Q3 2025 | 110.90% | 91.65% | $0 | $60.0M |
| Q4 2025 | 115.75% | 91.32% | $0 | $115.0M |
| Q1 2026 | 117.39% | 93.16% | $0 | $125.0M |
| Q2 2026 | 116.09% | 93.60% | $0 | $105.0M |
Bank of Washington liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Washington, 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 Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12627) · FFIEC NIC profile (RSSD 565750)