Trailwest 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 2.29 percentage points lower than in Q1 2026, at 102.68%. Trailwest Bank has the highest loan-to-deposit ratio of the 35 banks headquartered in Montana, 104.09% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Trailwest Bank sits 15.89 points higher, at 104.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $124.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $173.2M |
| Fed funds sold and reverse repos | $804K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $140.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.09% |
| Net loans and leases to deposits | 102.68% |
| Loans and leases to core deposits | 121.89% |
| Core deposits to total deposits | 83.24% |
| Brokered deposits to total deposits | 4.24% |
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 | 105.50% | 95.96% | $0 | $135.0M |
| Q4 2023 | 106.96% | 94.69% | $0 | $135.0M |
| Q1 2024 | 106.94% | 93.36% | $0 | $135.0M |
| Q2 2024 | 108.15% | 93.44% | $0 | $135.0M |
| Q3 2024 | 109.43% | 92.86% | $0 | $135.0M |
| Q4 2024 | 95.73% | 83.03% | $0 | $135.0M |
| Q1 2025 | 97.26% | 82.51% | $0 | $135.0M |
| Q2 2025 | 104.87% | 84.28% | $0 | $135.0M |
| Q3 2025 | 108.01% | 85.14% | $0 | $135.0M |
| Q4 2025 | 107.78% | 84.95% | $0 | $140.0M |
| Q1 2026 | 106.37% | 84.64% | $0 | $140.0M |
| Q2 2026 | 104.09% | 83.24% | $0 | $140.0M |
Trailwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Trailwest 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 Trailwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23806) · FFIEC NIC profile (RSSD 615954)