First National Bank of Wauchula: 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 dropped 1.75 percentage points in Q2 2026, from 95.62% to 93.87%. It was the largest change from Q1 2026 among the key lines here. Within Florida, First National Bank of Wauchula is 46th of 81 on loan-to-deposit ratio, 75.02% as of Q2 2026, below the middle of the field. First National Bank of Wauchula reported 75.02% on loan-to-deposit ratio for Q2 2026, 7.10 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.8M |
| 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 | 75.02% |
| Net loans and leases to deposits | 73.65% |
| Loans and leases to core deposits | 93.87% |
| Core deposits to total deposits | 79.64% |
| Brokered deposits to total deposits | 0.28% |
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 | 93.12% | 83.36% | $0 | $2.0M |
| Q4 2023 | 87.81% | 78.89% | $0 | $2.0M |
| Q1 2024 | 85.63% | 80.56% | $0 | $2.0M |
| Q2 2024 | 86.29% | 76.15% | $0 | $2.0M |
| Q3 2024 | 85.37% | 73.71% | $0 | $2.0M |
| Q4 2024 | 93.26% | 77.50% | $1.5M | $5.0M |
| Q1 2025 | 89.16% | 77.95% | $0 | $2.0M |
| Q2 2025 | 86.26% | 77.91% | $0 | $0 |
| Q3 2025 | 85.84% | 76.82% | $0 | $0 |
| Q4 2025 | 84.33% | 78.66% | $0 | $0 |
| Q1 2026 | 75.97% | 79.18% | $0 | $0 |
| Q2 2026 | 75.02% | 79.64% | $0 | $0 |
First National Bank of Wauchula liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Wauchula, 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 First National Bank of Wauchula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18136) · FFIEC NIC profile (RSSD 89135)