The Washington Trust Company, of Westerly: 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 Cash and balances due from depository institutions: 34.5% higher than in Q1 2026, at $121.6M. On loan-to-deposit ratio, The Washington Trust Company, of Westerly is 2nd from the bottom among 5 Rhode Island banks, 95.76% (Q2 2026). The Washington Trust Company, of Westerly reported 95.76% on loan-to-deposit ratio for Q2 2026, 7.56 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $121.6M |
| Cash and noninterest-bearing balances to assets | 1.86% |
| Cash and securities | $1.02B |
| 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 | $456.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.96% |
| Trading liabilities | $32.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.76% |
| Net loans and leases to deposits | 94.97% |
| Loans and leases to core deposits | 102.17% |
| Core deposits to total deposits | 93.72% |
| Brokered deposits to total deposits | 7.48% |
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 | 103.52% | 82.47% | $0 | $1.12B |
| Q4 2023 | 105.88% | 82.35% | $0 | $1.19B |
| Q1 2024 | 106.68% | 81.81% | $0 | $1.24B |
| Q2 2024 | 113.55% | 87.09% | $0 | $1.55B |
| Q3 2024 | 106.94% | 86.41% | $0 | $1.30B |
| Q4 2024 | 106.25% | 87.42% | $0 | $1.12B |
| Q1 2025 | 101.47% | 92.42% | $0 | $850.0M |
| Q2 2025 | 102.53% | 93.02% | $0 | $1.00B |
| Q3 2025 | 98.55% | 93.28% | $0 | $791.0M |
| Q4 2025 | 97.99% | 93.35% | $0 | $626.0M |
| Q1 2026 | 97.61% | 93.19% | $0 | $576.0M |
| Q2 2026 | 95.76% | 93.72% | $0 | $456.0M |
The Washington Trust Company, of Westerly liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Washington Trust Company, of Westerly, 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 The Washington Trust Company, of Westerly profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23623) · FFIEC NIC profile (RSSD 816603)