Wahoo 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 87.6% in Q2 2026, from $5.1M to $9.6M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Wahoo State Bank is 46th of 138 on loan-to-deposit ratio, 90.75% as of Q2 2026, above the middle of the field. Wahoo State Bank reported 90.75% on loan-to-deposit ratio for Q2 2026, 9.91 points above 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 | $9.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.2M |
| 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 | $11.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.75% |
| Net loans and leases to deposits | 89.83% |
| Loans and leases to core deposits | 95.20% |
| Core deposits to total deposits | 95.33% |
| Brokered deposits to total deposits | 0.78% |
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 | 88.24% | 89.78% | $0 | $16.0M |
| Q4 2023 | 93.22% | 89.03% | $0 | $16.0M |
| Q1 2024 | 92.24% | 84.07% | $0 | $15.9M |
| Q2 2024 | 90.53% | 91.44% | $0 | $15.9M |
| Q3 2024 | 92.04% | 93.82% | $0 | $15.9M |
| Q4 2024 | 95.83% | 96.11% | $970K | $15.8M |
| Q1 2025 | 93.83% | 96.11% | $2.5M | $13.8M |
| Q2 2025 | 94.34% | 95.57% | $3.5M | $11.8M |
| Q3 2025 | 97.84% | 95.48% | $3.4M | $11.7M |
| Q4 2025 | 99.41% | 95.27% | $4.0M | $11.7M |
| Q1 2026 | 94.14% | 95.28% | $0 | $11.6M |
| Q2 2026 | 90.75% | 95.33% | $0 | $11.6M |
Wahoo State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wahoo 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 Wahoo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1163) · FFIEC NIC profile (RSSD 662350)