First Whitney Bank and Trust: 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.
Other borrowed money dropped 83.3% in Q2 2026, from $6.0M to $1.0M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Whitney Bank and Trust is 186th of 225 on loan-to-deposit ratio, 62.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Whitney Bank and Trust sits 18.15 points lower, at 62.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.4M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 1.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.68% |
| Net loans and leases to deposits | 62.51% |
| Loans and leases to core deposits | 72.07% |
| Core deposits to total deposits | 86.98% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 61.80% | 91.83% | $2.2M | $7.5M |
| Q4 2023 | 67.03% | 89.29% | $0 | $15.5M |
| Q1 2024 | 61.56% | 89.76% | $0 | $10.9M |
| Q2 2024 | 63.92% | 88.68% | $0 | $5.4M |
| Q3 2024 | 62.45% | 90.37% | $0 | $12.0M |
| Q4 2024 | 62.33% | 90.17% | $0 | $5.0M |
| Q1 2025 | 56.91% | 89.47% | $0 | $3.0M |
| Q2 2025 | 59.89% | 88.06% | $0 | $8.0M |
| Q3 2025 | 59.69% | 87.97% | $0 | $6.0M |
| Q4 2025 | 69.82% | 88.26% | $4.3M | $17.0M |
| Q1 2026 | 62.98% | 87.90% | $0 | $6.0M |
| Q2 2026 | 62.68% | 86.98% | $0 | $1.0M |
First Whitney Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Whitney Bank and Trust, 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 Whitney Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 254) · FFIEC NIC profile (RSSD 740249)