The Wanda 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 73.7% lower than in Q1 2026, at $4.7M. Within Minnesota, The Wanda State Bank is 163rd of 221 on loan-to-deposit ratio, 68.92% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Wanda State Bank sits 11.92 points lower, at 68.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.4M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 2.06% |
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 | 68.92% |
| Net loans and leases to deposits | 67.72% |
| Loans and leases to core deposits | 78.43% |
| Core deposits to total deposits | 87.87% |
| 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 | 62.37% | 91.25% | $0 | $0 |
| Q4 2023 | 69.64% | 89.55% | $0 | $0 |
| Q1 2024 | 65.91% | 89.14% | $0 | $0 |
| Q2 2024 | 68.03% | 88.18% | $0 | $0 |
| Q3 2024 | 67.78% | 87.58% | $0 | $0 |
| Q4 2024 | 68.19% | 88.30% | $0 | $0 |
| Q1 2025 | 66.98% | 88.61% | $0 | $0 |
| Q2 2025 | 68.82% | 88.87% | $0 | $0 |
| Q3 2025 | 65.94% | 88.27% | $0 | $0 |
| Q4 2025 | 68.71% | 88.38% | $0 | $0 |
| Q1 2026 | 66.34% | 88.46% | $0 | $0 |
| Q2 2026 | 68.92% | 87.87% | $0 | $0 |
The Wanda 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 Wanda 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 Wanda State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1908) · FFIEC NIC profile (RSSD 190956)