Finwise 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.
Core deposits to total deposits dropped 3.69 percentage points in Q2 2026, from 40.41% to 36.72%. It was the largest change from Q1 2026 among the key lines here. Finwise Bank ranks 15th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 101.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Finwise Bank sits 21.41 points higher, at 101.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $93.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.1M |
| 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 | 101.96% |
| Net loans and leases to deposits | 95.40% |
| Loans and leases to core deposits | 103.65% |
| Core deposits to total deposits | 36.72% |
| Brokered deposits to total deposits | 61.65% |
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 | 91.73% | 52.05% | $0 | $221K |
| Q4 2023 | 95.12% | 50.15% | $0 | $190K |
| Q1 2024 | 96.86% | 50.51% | $0 | $158K |
| Q2 2024 | 103.86% | 49.41% | $0 | $127K |
| Q3 2024 | 99.22% | 54.50% | $0 | $106K |
| Q4 2024 | 96.71% | 48.83% | $0 | $64K |
| Q1 2025 | 95.75% | 45.28% | $0 | $32K |
| Q2 2025 | 100.98% | 41.95% | $0 | $0 |
| Q3 2025 | 99.56% | 41.10% | $0 | $0 |
| Q4 2025 | 94.16% | 41.22% | $0 | $0 |
| Q1 2026 | 100.42% | 40.41% | $0 | $0 |
| Q2 2026 | 101.96% | 36.72% | $0 | $0 |
Finwise Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Finwise 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 Finwise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35323) · FFIEC NIC profile (RSSD 2880019)