Washington County 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 23.6% in Q2 2026, from $51.2M to $63.2M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Washington County Bank is 56th of 138 on loan-to-deposit ratio, 89.76% as of Q2 2026, above the middle of the field. Washington County Bank reported 89.76% on loan-to-deposit ratio for Q2 2026, 8.92 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 | $63.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.4M |
| 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 | $18.2M |
| 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 | 89.76% |
| Net loans and leases to deposits | 88.71% |
| Loans and leases to core deposits | 100.66% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 1.80% |
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 | 94.57% | 91.68% | $22.9M | $50.5M |
| Q4 2023 | 96.50% | 91.02% | $25.5M | $45.5M |
| Q1 2024 | 96.86% | 90.44% | $19.4M | $51.0M |
| Q2 2024 | 98.54% | 90.62% | $27.2M | $27.0M |
| Q3 2024 | 95.19% | 90.72% | $20.0M | $15.0M |
| Q4 2024 | 96.90% | 90.61% | $19.7M | $25.0M |
| Q1 2025 | 94.43% | 90.72% | $15.9M | $0 |
| Q2 2025 | 93.66% | 90.34% | $15.4M | $0 |
| Q3 2025 | 96.05% | 90.24% | $18.3M | $0 |
| Q4 2025 | 99.13% | 89.13% | $20.4M | $10.0M |
| Q1 2026 | 91.38% | 89.75% | $22.0M | $0 |
| Q2 2026 | 89.76% | 89.16% | $18.2M | $0 |
Washington County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington County 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 Washington County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12241) · FFIEC NIC profile (RSSD 1000052)