The First National Bank of Williamson: 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.
Cash and balances due from depository institutions climbed 42.6% in Q2 2026, from $15.2M to $21.7M. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Williamson ranks 17th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 85.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Williamson sits 4.47 points higher, at 85.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.8M |
| 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 | $827K |
| 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 | 85.31% |
| Net loans and leases to deposits | 84.10% |
| Loans and leases to core deposits | 99.78% |
| Core deposits to total deposits | 82.24% |
| Brokered deposits to total deposits | 3.26% |
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 | 75.55% | 79.68% | $708K | $3.5M |
| Q4 2023 | 70.37% | 77.45% | $716K | $0 |
| Q1 2024 | 70.81% | 77.45% | $694K | $0 |
| Q2 2024 | 72.26% | 76.53% | $686K | $0 |
| Q3 2024 | 72.18% | 74.03% | $698K | $0 |
| Q4 2024 | 72.02% | 73.77% | $680K | $0 |
| Q1 2025 | 73.44% | 76.83% | $728K | $0 |
| Q2 2025 | 75.00% | 78.41% | $771K | $0 |
| Q3 2025 | 78.89% | 81.90% | $723K | $0 |
| Q4 2025 | 80.44% | 82.95% | $751K | $0 |
| Q1 2026 | 87.14% | 82.72% | $806K | $0 |
| Q2 2026 | 85.31% | 82.24% | $827K | $0 |
The First National Bank of Williamson 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 Williamson, 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 Williamson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6805) · FFIEC NIC profile (RSSD 917630)