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.
The standout move of Q2 2026 was in Other borrowed money: 23.1% lower than in Q1 2026, at $33.8M. Within Iowa, Washington State Bank is 158th of 225 on loan-to-deposit ratio, 71.60% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Washington State Bank sits 8.96 points lower, at 71.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $202.9M |
| Fed funds sold and reverse repos | $143K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.4M |
| Other borrowed money | $33.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.60% |
| Net loans and leases to deposits | 70.62% |
| Loans and leases to core deposits | 79.67% |
| Core deposits to total deposits | 66.97% |
| Brokered deposits to total deposits | 22.89% |
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 | 61.19% | 73.83% | $8.2M | $18.3M |
| Q4 2023 | 62.11% | 73.62% | $4.5M | $25.1M |
| Q1 2024 | 62.58% | 73.88% | $3.7M | $21.0M |
| Q2 2024 | 63.23% | 72.77% | $4.8M | $18.4M |
| Q3 2024 | 63.89% | 70.22% | $2.4M | $18.2M |
| Q4 2024 | 63.04% | 70.61% | $2.2M | $18.1M |
| Q1 2025 | 65.59% | 70.54% | $5.1M | $18.0M |
| Q2 2025 | 65.15% | 68.39% | $1.5M | $17.8M |
| Q3 2025 | 65.38% | 67.63% | $1.9M | $17.7M |
| Q4 2025 | 66.99% | 68.81% | $3.2M | $17.6M |
| Q1 2026 | 72.23% | 66.40% | $2.8M | $43.9M |
| Q2 2026 | 71.60% | 66.97% | $2.4M | $33.8M |
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 214) · FFIEC NIC profile (RSSD 433943)