Washington Savings 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: 225.8% higher than in Q1 2026, at $4.0M. Washington Savings Bank ranks 202nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 70.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Washington Savings Bank sits 10.23 points lower, at 70.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $194.7M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.69% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $444K |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.61% |
| Net loans and leases to deposits | 69.94% |
| Loans and leases to core deposits | 73.67% |
| Core deposits to total deposits | 93.34% |
| Brokered deposits to total deposits | 2.51% |
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 | 65.35% | 95.16% | $1.6M | $12.0M |
| Q4 2023 | 68.64% | 93.06% | $2.1M | $22.0M |
| Q1 2024 | 67.01% | 93.43% | $513K | $22.0M |
| Q2 2024 | 69.02% | 94.37% | $523K | $22.0M |
| Q3 2024 | 65.35% | 94.36% | $527K | $11.0M |
| Q4 2024 | 67.41% | 93.89% | $461K | $11.0M |
| Q1 2025 | 66.31% | 94.34% | $421K | $11.0M |
| Q2 2025 | 65.33% | 93.68% | $357K | $11.0M |
| Q3 2025 | 69.19% | 93.24% | $498K | $11.0M |
| Q4 2025 | 68.51% | 93.35% | $451K | $11.0M |
| Q1 2026 | 68.10% | 93.38% | $340K | $11.0M |
| Q2 2026 | 70.61% | 93.34% | $444K | $6.0M |
Washington Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29227) · FFIEC NIC profile (RSSD 790271)