The Warrington 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: 1.84 percentage points higher than in Q1 2026, at 37.54%. The Warrington Bank has the 7th lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 37.91% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, The Warrington Bank reported 37.91% on loan-to-deposit ratio in Q2 2026, 42.93 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.7M |
| 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 | $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 | 37.91% |
| Net loans and leases to deposits | 37.54% |
| Loans and leases to core deposits | 37.98% |
| Core deposits to total deposits | 99.81% |
| 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 | 34.27% | 99.49% | $6.0M | $0 |
| Q4 2023 | 37.28% | 99.64% | $10.0M | $0 |
| Q1 2024 | 38.24% | 99.44% | $0 | $14.0M |
| Q2 2024 | 39.42% | 99.23% | $906K | $14.0M |
| Q3 2024 | 39.03% | 99.43% | $0 | $10.0M |
| Q4 2024 | 39.98% | 99.62% | $0 | $0 |
| Q1 2025 | 40.24% | 99.61% | $0 | $0 |
| Q2 2025 | 39.71% | 99.62% | $0 | $0 |
| Q3 2025 | 39.90% | 99.61% | $0 | $0 |
| Q4 2025 | 35.34% | 99.63% | $0 | $0 |
| Q1 2026 | 36.07% | 99.81% | $0 | $0 |
| Q2 2026 | 37.91% | 99.81% | $0 | $0 |
The Warrington Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Warrington 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 Warrington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17193) · FFIEC NIC profile (RSSD 199137)