FNB Washington: 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 Q2 2026 was in Fed funds sold and reverse repos: 50.2% lower than in Q1 2026, at $3.0M. Within Kansas, FNB Washington is 105th of 182 on loan-to-deposit ratio, 72.32% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. FNB Washington sits 4.99 points higher, at 72.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.1M |
| Fed funds sold and reverse repos | $3.0M |
| Fed funds sold and reverse repos to assets | 3.39% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.2M |
| 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 | 72.32% |
| Net loans and leases to deposits | 70.71% |
| Loans and leases to core deposits | 74.53% |
| Core deposits to total deposits | 97.03% |
| 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 | 66.94% | 100.00% | $6.5M | $0 |
| Q4 2023 | 62.00% | 100.00% | $5.6M | $0 |
| Q1 2024 | 62.57% | 100.00% | $4.8M | $0 |
| Q2 2024 | 71.29% | 99.53% | $8.4M | $0 |
| Q3 2024 | 69.53% | 98.76% | $9.9M | $0 |
| Q4 2024 | 71.43% | 96.44% | $7.5M | $0 |
| Q1 2025 | 69.77% | 97.19% | $11.6M | $0 |
| Q2 2025 | 76.57% | 96.96% | $8.6M | $0 |
| Q3 2025 | 75.94% | 96.85% | $8.5M | $0 |
| Q4 2025 | 75.61% | 97.01% | $7.7M | $0 |
| Q1 2026 | 73.21% | 97.04% | $8.2M | $0 |
| Q2 2026 | 72.32% | 97.03% | $7.2M | $0 |
FNB Washington liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Washington, 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 FNB Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4792) · FFIEC NIC profile (RSSD 209559)