The New Washington State Bank: 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 31.7% in Q2 2026, from $41.7M to $55.0M. It was the largest change from Q1 2026 among the key lines here. The New Washington State Bank ranks 63rd of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 73.90% (Q2 2026). The New Washington State Bank reported 73.90% on loan-to-deposit ratio for Q2 2026, 7.04 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $218.3M |
| Fed funds sold and reverse repos | $649K |
| Fed funds sold and reverse repos to assets | 0.08% |
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 | 73.90% |
| Net loans and leases to deposits | 72.98% |
| Loans and leases to core deposits | 80.44% |
| Core deposits to total deposits | 91.88% |
| 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 | 78.66% | 94.73% | $571K | $4.9M |
| Q4 2023 | 81.23% | 95.12% | $1.8M | $8.0M |
| Q1 2024 | 78.09% | 91.57% | $0 | $0 |
| Q2 2024 | 75.43% | 90.74% | $0 | $0 |
| Q3 2024 | 74.82% | 91.11% | $0 | $0 |
| Q4 2024 | 77.00% | 90.23% | $0 | $0 |
| Q1 2025 | 75.75% | 88.66% | $0 | $0 |
| Q2 2025 | 73.93% | 89.33% | $0 | $0 |
| Q3 2025 | 76.10% | 88.64% | $0 | $0 |
| Q4 2025 | 73.65% | 88.73% | $0 | $0 |
| Q1 2026 | 74.81% | 91.85% | $0 | $0 |
| Q2 2026 | 73.90% | 91.88% | $0 | $0 |
The New Washington State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The New Washington State Bank, 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 New Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13305) · FFIEC NIC profile (RSSD 305442)