WaFd 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 Loan-to-deposit ratio: 1.16 percentage points higher than in Q1 2026, at 96.13%. Within Washington, WaFd Bank is 9th of 29 on loan-to-deposit ratio, 96.13% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. WaFd Bank sits 9.29 points higher, at 96.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $674.8M |
| Cash and noninterest-bearing balances to assets | 2.45% |
| Cash and securities | $5.72B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.26B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.13% |
| Net loans and leases to deposits | 95.11% |
| Loans and leases to core deposits | 107.65% |
| Core deposits to total deposits | 82.12% |
| Brokered deposits to total deposits | 7.18% |
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 | 108.67% | 88.22% | $0 | $3.65B |
| Q4 2023 | 109.86% | 87.74% | $0 | $3.88B |
| Q1 2024 | 111.40% | 81.54% | $0 | $5.35B |
| Q2 2024 | 100.87% | 81.22% | $0 | $3.93B |
| Q3 2024 | 98.14% | 80.10% | $0 | $3.27B |
| Q4 2024 | 98.64% | 80.02% | $0 | $2.86B |
| Q1 2025 | 97.87% | 80.06% | $0 | $2.76B |
| Q2 2025 | 95.20% | 80.16% | $0 | $1.94B |
| Q3 2025 | 94.01% | 80.64% | $0 | $1.77B |
| Q4 2025 | 93.24% | 81.91% | $0 | $2.44B |
| Q1 2026 | 94.97% | 81.94% | $0 | $3.06B |
| Q2 2026 | 96.13% | 82.12% | $0 | $3.26B |
WaFd Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock WaFd 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 WaFd Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28088) · FFIEC NIC profile (RSSD 656377)