Waterford Bank, N.A.: 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: 42.9% lower than in Q1 2026, at $20.0M. Waterford Bank, N.A. ranks 50th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 89.65% (Q2 2026). At 89.65%, Waterford Bank, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $328.2M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.65% |
| Net loans and leases to deposits | 88.46% |
| Loans and leases to core deposits | 98.55% |
| Core deposits to total deposits | 87.28% |
| Brokered deposits to total deposits | 18.36% |
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 | 84.83% | 87.22% | $0 | $45.0M |
| Q4 2023 | 88.63% | 85.27% | $30.0M | $65.0M |
| Q1 2024 | 86.28% | 82.98% | $0 | $55.0M |
| Q2 2024 | 88.66% | 82.49% | $0 | $72.0M |
| Q3 2024 | 86.10% | 85.39% | $0 | $55.0M |
| Q4 2024 | 87.35% | 84.62% | $0 | $35.0M |
| Q1 2025 | 84.18% | 84.92% | $0 | $35.0M |
| Q2 2025 | 89.56% | 85.71% | $15.0M | $35.0M |
| Q3 2025 | 89.47% | 84.95% | $0 | $35.0M |
| Q4 2025 | 90.36% | 85.41% | $0 | $35.0M |
| Q1 2026 | 89.60% | 84.96% | $0 | $35.0M |
| Q2 2026 | 89.65% | 87.28% | $0 | $20.0M |
Waterford Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterford Bank, N.A., 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 Waterford Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58433) · FFIEC NIC profile (RSSD 3588424)