The Waterford Commercial and Savings 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.
Cash and balances due from depository institutions climbed 80.7% in Q2 2026, from $5.0M to $9.0M. It was the largest change from Q1 2026 among the key lines here. The Waterford Commercial and Savings Bank ranks 91st of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 78.89% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Waterford Commercial and Savings Bank sits 11.27 points higher, at 78.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.6M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 2.79% |
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 | 78.89% |
| Net loans and leases to deposits | 78.17% |
| Loans and leases to core deposits | 85.85% |
| Core deposits to total deposits | 91.89% |
| 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 | 65.32% | 91.52% | $0 | $0 |
| Q4 2023 | 67.69% | 92.60% | $0 | $500K |
| Q1 2024 | 68.20% | 92.76% | $0 | $1.0M |
| Q2 2024 | 70.84% | 96.47% | $0 | $2.4M |
| Q3 2024 | 73.75% | 97.30% | $0 | $2.0M |
| Q4 2024 | 75.93% | 97.90% | $0 | $2.0M |
| Q1 2025 | 72.81% | 96.31% | $0 | $0 |
| Q2 2025 | 71.28% | 96.60% | $0 | $0 |
| Q3 2025 | 70.88% | 95.75% | $0 | $0 |
| Q4 2025 | 80.71% | 95.75% | $0 | $0 |
| Q1 2026 | 84.66% | 95.57% | $0 | $0 |
| Q2 2026 | 78.89% | 91.89% | $0 | $0 |
The Waterford Commercial and Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Waterford Commercial and Savings 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 The Waterford Commercial and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8397) · FFIEC NIC profile (RSSD 324229)