Washington State 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.
Core deposits to total deposits dropped 2.08 percentage points in Q2 2026, from 85.85% to 83.77%. It was the largest change from Q1 2026 among the key lines here. Washington State Bank ranks 49th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 82.79% (Q2 2026). At 82.79%, Washington State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.8M |
| 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 | 82.79% |
| Net loans and leases to deposits | 82.01% |
| Loans and leases to core deposits | 98.83% |
| Core deposits to total deposits | 83.77% |
| 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 | 89.40% | 86.73% | $0 | $11.0M |
| Q4 2023 | 88.98% | 86.46% | $0 | $6.0M |
| Q1 2024 | 82.11% | 86.00% | $0 | $0 |
| Q2 2024 | 86.81% | 84.84% | $0 | $0 |
| Q3 2024 | 84.40% | 84.02% | $0 | $0 |
| Q4 2024 | 85.62% | 83.73% | $0 | $0 |
| Q1 2025 | 84.50% | 86.47% | $0 | $0 |
| Q2 2025 | 85.05% | 86.38% | $0 | $0 |
| Q3 2025 | 85.79% | 85.86% | $0 | $0 |
| Q4 2025 | 86.22% | 85.48% | $0 | $0 |
| Q1 2026 | 83.85% | 85.85% | $0 | $0 |
| Q2 2026 | 82.79% | 83.77% | $0 | $0 |
Washington State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9326) · FFIEC NIC profile (RSSD 311939)