Bankwell 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.
Other borrowed money dropped 43.3% in Q2 2026, from $70.5M to $40.0M. It was the largest change from Q1 2026 among the key lines here. Bankwell Bank ranks 15th of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 97.37% (Q2 2026). Bankwell Bank reported 97.37% on loan-to-deposit ratio for Q2 2026, 9.17 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 | $203.4M |
| Cash and noninterest-bearing balances to assets | 5.52% |
| Cash and securities | $409.0M |
| Fed funds sold and reverse repos | $12.0M |
| Fed funds sold and reverse repos to assets | 0.35% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.37% |
| Net loans and leases to deposits | 96.36% |
| Loans and leases to core deposits | 105.16% |
| Core deposits to total deposits | 75.90% |
| Brokered deposits to total deposits | 16.69% |
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 | 99.44% | 60.72% | $0 | $103.2M |
| Q4 2023 | 98.70% | 59.93% | $0 | $103.7M |
| Q1 2024 | 99.63% | 62.67% | $0 | $103.3M |
| Q2 2024 | 99.23% | 63.20% | $0 | $102.9M |
| Q3 2024 | 96.99% | 63.53% | $0 | $102.5M |
| Q4 2024 | 96.52% | 67.29% | $0 | $102.0M |
| Q1 2025 | 95.59% | 69.79% | $0 | $51.6M |
| Q2 2025 | 96.12% | 69.49% | $0 | $86.9M |
| Q3 2025 | 97.93% | 69.38% | $0 | $86.4M |
| Q4 2025 | 99.44% | 71.90% | $0 | $121.0M |
| Q1 2026 | 98.28% | 74.45% | $0 | $70.5M |
| Q2 2026 | 97.37% | 75.90% | $0 | $40.0M |
Bankwell Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwell 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 Bankwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57368) · FFIEC NIC profile (RSSD 3109043)