First Westroads Bank, Inc.: 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 Other borrowed money: 140.0% higher than in Q2 2026, at $12.0M. First Westroads Bank, Inc. ranks 75th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 85.34% (Q3 2026). First Westroads Bank, Inc. reported 85.34% on loan-to-deposit ratio for Q3 2026, 4.51 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $12.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 85.34% |
| Net loans and leases to deposits | 83.72% |
| Loans and leases to core deposits | 91.13% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 5.22% |
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 | 77.20% | 98.26% | $0 | $8.0M |
| Q1 2024 | 77.95% | 97.61% | $0 | $8.0M |
| Q2 2024 | 77.50% | 96.88% | $0 | $8.0M |
| Q3 2024 | 75.64% | 94.29% | $0 | $8.0M |
| Q4 2024 | 77.22% | 94.55% | $0 | $7.0M |
| Q1 2025 | 74.53% | 93.55% | $0 | $6.0M |
| Q2 2025 | 73.27% | 94.12% | $0 | $6.0M |
| Q3 2025 | 74.38% | 95.63% | $0 | $6.0M |
| Q4 2025 | 79.39% | 94.84% | $0 | $20.4M |
| Q1 2026 | 79.94% | 95.06% | $0 | $13.0M |
| Q2 2026 | 81.79% | 95.92% | $0 | $5.0M |
| Q3 2026 | 85.34% | 88.43% | $0 | $12.0M |
First Westroads Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Westroads Bank, Inc., 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 Westroads Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19742) · FFIEC NIC profile (RSSD 222754)