Washita 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.
Loans and leases to core deposits climbed 7.29 percentage points in Q2 2026, from 98.00% to 105.29%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Washita State Bank is 59th of 169 on loan-to-deposit ratio, 84.69% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Washita State Bank sits 17.06 points higher, at 84.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.3M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.69% |
| Net loans and leases to deposits | 83.39% |
| Loans and leases to core deposits | 105.29% |
| Core deposits to total deposits | 80.44% |
| 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 | 69.26% | 94.07% | $0 | $0 |
| Q4 2023 | 66.50% | 93.84% | $0 | $0 |
| Q1 2024 | 60.44% | 88.02% | $0 | $0 |
| Q2 2024 | 55.75% | 86.76% | $0 | $0 |
| Q3 2024 | 71.03% | 79.02% | $0 | $0 |
| Q4 2024 | 80.49% | 77.57% | $0 | $0 |
| Q1 2025 | 82.36% | 77.71% | $0 | $0 |
| Q2 2025 | 80.49% | 76.72% | $0 | $2.0M |
| Q3 2025 | 78.79% | 79.54% | $0 | $2.0M |
| Q4 2025 | 85.75% | 77.98% | $0 | $2.0M |
| Q1 2026 | 79.50% | 81.12% | $0 | $2.0M |
| Q2 2026 | 84.69% | 80.44% | $0 | $2.0M |
Washita State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Washita 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 Washita State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22430) · FFIEC NIC profile (RSSD 1856)