The Watkins 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.
Fed funds sold and reverse repos to assets climbed 1.44 percentage points in Q2 2026, from 21.11% to 22.55%. It was the largest change from Q1 2026 among the key lines here. The Watkins Savings Bank has the 12th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 43.28% as of Q2 2026. The Watkins Savings Bank reported 43.28% on loan-to-deposit ratio for Q2 2026, 24.35 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.1M |
| Fed funds sold and reverse repos | $19.6M |
| Fed funds sold and reverse repos to assets | 22.55% |
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 | 43.28% |
| Net loans and leases to deposits | 43.05% |
| Loans and leases to core deposits | 47.58% |
| Core deposits to total deposits | 90.95% |
| 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 | 42.90% | 89.77% | $0 | $0 |
| Q4 2023 | 44.47% | 89.32% | $0 | $0 |
| Q1 2024 | 45.74% | 89.88% | $0 | $0 |
| Q2 2024 | 44.67% | 90.24% | $0 | $0 |
| Q3 2024 | 47.07% | 89.32% | $107K | $0 |
| Q4 2024 | 49.15% | 89.53% | $0 | $0 |
| Q1 2025 | 47.89% | 90.81% | $0 | $0 |
| Q2 2025 | 46.31% | 90.76% | $0 | $0 |
| Q3 2025 | 47.30% | 90.47% | $0 | $0 |
| Q4 2025 | 46.80% | 90.68% | $0 | $0 |
| Q1 2026 | 43.61% | 91.05% | $0 | $0 |
| Q2 2026 | 43.28% | 90.95% | $0 | $0 |
The Watkins 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 Watkins 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 Watkins Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18071) · FFIEC NIC profile (RSSD 437044)