The National Bank of Adams County of West Union: 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 climbed 2.62 percentage points in Q2 2026, from 65.11% to 67.73%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The National Bank of Adams County of West Union is 137th of 156 on loan-to-deposit ratio, 60.77% as of Q2 2026, below the middle of the field. The National Bank of Adams County of West Union reported 60.77% on loan-to-deposit ratio for Q2 2026, 20.07 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.5M |
| Fed funds sold and reverse repos | $5.3M |
| Fed funds sold and reverse repos to assets | 4.64% |
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 | 60.77% |
| Net loans and leases to deposits | 59.95% |
| Loans and leases to core deposits | 67.73% |
| Core deposits to total deposits | 89.73% |
| 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 | 44.06% | 95.23% | $0 | $0 |
| Q4 2023 | 46.36% | 94.29% | $0 | $0 |
| Q1 2024 | 49.37% | 93.61% | $0 | $0 |
| Q2 2024 | 50.03% | 93.30% | $0 | $0 |
| Q3 2024 | 51.47% | 93.45% | $0 | $0 |
| Q4 2024 | 52.94% | 93.48% | $0 | $0 |
| Q1 2025 | 55.58% | 93.29% | $0 | $0 |
| Q2 2025 | 55.93% | 93.39% | $0 | $0 |
| Q3 2025 | 55.44% | 92.48% | $0 | $0 |
| Q4 2025 | 57.75% | 91.90% | $0 | $0 |
| Q1 2026 | 58.87% | 90.42% | $0 | $0 |
| Q2 2026 | 60.77% | 89.73% | $0 | $0 |
The National Bank of Adams County of West Union liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Adams County of West Union, 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 National Bank of Adams County of West Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6728) · FFIEC NIC profile (RSSD 290922)