Wayne Bank and Trust Co.: 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: 280.0% higher than in Q1 2026, at $9.5M. Within Indiana, Wayne Bank and Trust Co. is 29th of 87 on loan-to-deposit ratio, 90.78% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Wayne Bank and Trust Co. sits 9.84 points higher, at 90.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.9M |
| 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 | $9.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.78% |
| Net loans and leases to deposits | 89.73% |
| Loans and leases to core deposits | 94.53% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 5.79% |
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 | 79.75% | 95.41% | $0 | $2.0M |
| Q4 2023 | 84.19% | 95.14% | $0 | $6.5M |
| Q1 2024 | 82.57% | 93.42% | $0 | $4.0M |
| Q2 2024 | 85.50% | 93.77% | $0 | $5.5M |
| Q3 2024 | 83.42% | 91.48% | $0 | $2.5M |
| Q4 2024 | 83.33% | 91.39% | $0 | $0 |
| Q1 2025 | 85.52% | 92.30% | $0 | $700K |
| Q2 2025 | 87.59% | 89.93% | $0 | $4.6M |
| Q3 2025 | 87.20% | 88.92% | $0 | $2.5M |
| Q4 2025 | 89.71% | 87.98% | $0 | $7.7M |
| Q1 2026 | 87.10% | 88.71% | $0 | $2.5M |
| Q2 2026 | 90.78% | 90.25% | $0 | $9.5M |
Wayne Bank and Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne Bank and Trust Co., 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 Wayne Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1849) · FFIEC NIC profile (RSSD 451246)