Wayne County 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.
Loans and leases to core deposits dropped 3.19 percentage points in Q2 2026, from 103.07% to 99.88%. It was the largest change from Q1 2026 among the key lines here. Wayne County Bank ranks 54th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 83.20% (Q2 2026). Wayne County Bank reported 83.20% on loan-to-deposit ratio for Q2 2026, 2.65 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $91.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.1M |
| 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 | $6.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.20% |
| Net loans and leases to deposits | 82.22% |
| Loans and leases to core deposits | 99.88% |
| Core deposits to total deposits | 79.65% |
| Brokered deposits to total deposits | 3.65% |
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 | 81.60% | 72.82% | $0 | $1.5M |
| Q4 2023 | 82.40% | 73.45% | $0 | $1.4M |
| Q1 2024 | 82.17% | 73.88% | $0 | $1.4M |
| Q2 2024 | 82.00% | 70.32% | $0 | $1.3M |
| Q3 2024 | 81.28% | 69.05% | $0 | $7.2M |
| Q4 2024 | 82.21% | 69.25% | $0 | $7.1M |
| Q1 2025 | 82.53% | 76.14% | $0 | $7.1M |
| Q2 2025 | 83.07% | 76.22% | $0 | $7.0M |
| Q3 2025 | 85.13% | 75.18% | $0 | $7.0M |
| Q4 2025 | 86.12% | 75.57% | $0 | $6.9M |
| Q1 2026 | 84.91% | 76.53% | $0 | $6.9M |
| Q2 2026 | 83.20% | 79.65% | $0 | $6.8M |
Wayne County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne County 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 Wayne County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9168) · FFIEC NIC profile (RSSD 511832)