Warsaw Federal Savings and Loan Association: 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.
Loans and leases to core deposits climbed 12.98 percentage points in Q2 2026, from 126.74% to 139.72%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Warsaw Federal Savings and Loan Association ranks 4th highest among the 156 banks headquartered in Ohio, at 124.74% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Warsaw Federal Savings and Loan Association reported 124.74% on loan-to-deposit ratio in Q2 2026, 43.90 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.5M |
| 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 | $24.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 22.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 124.74% |
| Net loans and leases to deposits | 124.02% |
| Loans and leases to core deposits | 139.72% |
| Core deposits to total deposits | 79.71% |
| Brokered deposits to total deposits | 9.57% |
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 | 128.43% | 82.20% | $0 | $32.0M |
| Q4 2023 | 145.14% | 88.96% | $0 | $36.0M |
| Q1 2024 | 129.24% | 81.33% | $0 | $34.5M |
| Q2 2024 | 120.14% | 81.36% | $0 | $34.5M |
| Q3 2024 | 112.77% | 79.40% | $0 | $28.5M |
| Q4 2024 | 116.31% | 77.17% | $0 | $21.0M |
| Q1 2025 | 119.11% | 84.06% | $0 | $21.0M |
| Q2 2025 | 121.26% | 82.84% | $0 | $21.0M |
| Q3 2025 | 109.79% | 72.26% | $0 | $21.0M |
| Q4 2025 | 106.60% | 75.68% | $0 | $21.0M |
| Q1 2026 | 111.89% | 77.17% | $0 | $18.0M |
| Q2 2026 | 124.74% | 79.71% | $0 | $24.5M |
Warsaw Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Warsaw Federal Savings and Loan Association, 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 Warsaw Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28217) · FFIEC NIC profile (RSSD 875879)