Bank of Winnfield & Trust Company: 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.
Loans and leases to core deposits climbed 2.49 percentage points in Q2 2026, from 43.25% to 45.74%. It was the largest change from Q1 2026 among the key lines here. Bank of Winnfield & Trust Company has the 5th lowest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, at 41.92% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Winnfield & Trust Company sits 38.92 points lower, at 41.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.0M |
| 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 | $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 | 41.92% |
| Net loans and leases to deposits | 41.38% |
| Loans and leases to core deposits | 45.74% |
| Core deposits to total deposits | 91.63% |
| 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 | 36.51% | 88.56% | $0 | $0 |
| Q4 2023 | 36.97% | 87.70% | $0 | $0 |
| Q1 2024 | 36.04% | 92.76% | $0 | $0 |
| Q2 2024 | 35.75% | 93.94% | $0 | $0 |
| Q3 2024 | 37.13% | 92.14% | $0 | $0 |
| Q4 2024 | 38.59% | 91.67% | $0 | $0 |
| Q1 2025 | 37.54% | 90.89% | $0 | $0 |
| Q2 2025 | 37.11% | 92.91% | $0 | $0 |
| Q3 2025 | 39.05% | 92.57% | $0 | $0 |
| Q4 2025 | 39.49% | 92.02% | $0 | $0 |
| Q1 2026 | 39.53% | 91.39% | $0 | $0 |
| Q2 2026 | 41.92% | 91.63% | $0 | $0 |
Bank of Winnfield & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Winnfield & Trust Company, 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 Winnfield & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9323) · FFIEC NIC profile (RSSD 625953)