Waterstone 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.
Brokered deposits to total deposits dropped 2.37 percentage points in Q2 2026, from 7.28% to 4.91%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, Waterstone Bank sits 4th from the top on loan-to-deposit ratio, 124.88% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Waterstone Bank sits 36.68 points higher, at 124.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.9M |
| Cash and noninterest-bearing balances to assets | 1.68% |
| Cash and securities | $275.5M |
| 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 | $412.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 124.88% |
| Net loans and leases to deposits | 123.66% |
| Loans and leases to core deposits | 141.23% |
| Core deposits to total deposits | 83.51% |
| Brokered deposits to total deposits | 4.91% |
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 | 142.25% | 91.32% | $0 | $587.9M |
| Q4 2023 | 146.90% | 91.14% | $0 | $611.1M |
| Q1 2024 | 148.39% | 90.61% | $0 | $634.2M |
| Q2 2024 | 150.02% | 90.40% | $0 | $660.8M |
| Q3 2024 | 140.80% | 90.00% | $0 | $560.1M |
| Q4 2024 | 129.83% | 83.58% | $0 | $446.5M |
| Q1 2025 | 125.84% | 84.17% | $0 | $395.9M |
| Q2 2025 | 127.95% | 87.68% | $0 | $465.7M |
| Q3 2025 | 129.05% | 84.33% | $0 | $469.1M |
| Q4 2025 | 123.33% | 82.36% | $0 | $412.3M |
| Q1 2026 | 124.78% | 82.34% | $0 | $413.0M |
| Q2 2026 | 124.88% | 83.51% | $0 | $412.0M |
Waterstone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterstone 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 Waterstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28513) · FFIEC NIC profile (RSSD 310978)