The First National Bank of Wakefield: 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 Q3 2026 was in Cash and balances due from depository institutions: 26.6% higher than in Q2 2026, at $5.0M. On loan-to-deposit ratio, The First National Bank of Wakefield is 5th from the bottom among 72 Michigan banks, 45.67% (Q3 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Wakefield sits 21.95 points lower, at 45.67% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.7M |
| Fed funds sold and reverse repos | $440K |
| Fed funds sold and reverse repos to assets | 0.81% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 45.67% |
| Net loans and leases to deposits | 45.14% |
| Loans and leases to core deposits | 48.67% |
| Core deposits to total deposits | 93.84% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 45.35% | 92.62% | $593K | $0 |
| Q1 2024 | 45.16% | 92.16% | $0 | $0 |
| Q2 2024 | 44.22% | 92.80% | $0 | $0 |
| Q3 2024 | 43.97% | 92.08% | $0 | $0 |
| Q4 2024 | 44.51% | 91.37% | $0 | $0 |
| Q1 2025 | 44.02% | 93.20% | $0 | $0 |
| Q2 2025 | 43.29% | 93.80% | $0 | $0 |
| Q3 2025 | 42.33% | 95.35% | $0 | $0 |
| Q4 2025 | 45.01% | 95.79% | $1.2M | $0 |
| Q1 2026 | 43.78% | 94.69% | $0 | $0 |
| Q2 2026 | 45.59% | 96.10% | $0 | $0 |
| Q3 2026 | 45.67% | 93.84% | $0 | $0 |
The First National Bank of Wakefield liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Wakefield, 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 The First National Bank of Wakefield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5076) · FFIEC NIC profile (RSSD 292850)