Warren Bank and Trust Company: 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 Cash and balances due from depository institutions: 56.3% higher than in Q1 2026, at $20.6M. Warren Bank and Trust Company ranks 55th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 77.61% (Q2 2026). Warren Bank and Trust Company reported 77.61% on loan-to-deposit ratio for Q2 2026, 3.22 points below 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 | $20.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.7M |
| Fed funds sold and reverse repos | $13.2M |
| Fed funds sold and reverse repos to assets | 9.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.61% |
| Net loans and leases to deposits | 76.86% |
| Loans and leases to core deposits | 94.03% |
| Core deposits to total deposits | 82.54% |
| 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 | 65.38% | 87.53% | $0 | $26.2M |
| Q4 2023 | 64.12% | 86.93% | $0 | $26.2M |
| Q1 2024 | 63.52% | 86.20% | $0 | $17.4M |
| Q2 2024 | 69.80% | 85.42% | $1.2M | $17.3M |
| Q3 2024 | 66.45% | 84.80% | $0 | $13.6M |
| Q4 2024 | 70.52% | 83.91% | $0 | $13.5M |
| Q1 2025 | 74.62% | 85.37% | $0 | $23.4M |
| Q2 2025 | 76.26% | 85.55% | $0 | $18.2M |
| Q3 2025 | 71.41% | 86.25% | $0 | $7.1M |
| Q4 2025 | 74.03% | 85.14% | $0 | $3.0M |
| Q1 2026 | 74.37% | 83.24% | $0 | $2.9M |
| Q2 2026 | 77.61% | 82.54% | $0 | $2.7M |
Warren Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren Bank and Trust Company, 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 Warren Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 81) · FFIEC NIC profile (RSSD 748441)