Waypoint 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 87.7% lower than in Q1 2026, at $2.1M. Within Nebraska, Waypoint Bank is 66th of 138 on loan-to-deposit ratio, 86.41% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Waypoint Bank sits 5.86 points higher, at 86.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.6M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.41% |
| Net loans and leases to deposits | 84.37% |
| Loans and leases to core deposits | 94.64% |
| Core deposits to total deposits | 91.31% |
| 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 | 84.03% | 94.99% | $0 | $51.3M |
| Q4 2023 | 85.21% | 93.53% | $0 | $49.6M |
| Q1 2024 | 84.54% | 93.25% | $0 | $49.0M |
| Q2 2024 | 88.89% | 92.69% | $0 | $56.2M |
| Q3 2024 | 84.75% | 92.79% | $0 | $44.5M |
| Q4 2024 | 81.73% | 92.45% | $0 | $30.9M |
| Q1 2025 | 86.21% | 91.87% | $0 | $36.4M |
| Q2 2025 | 90.50% | 91.56% | $0 | $45.3M |
| Q3 2025 | 91.23% | 91.15% | $0 | $46.9M |
| Q4 2025 | 82.98% | 92.37% | $0 | $25.7M |
| Q1 2026 | 84.07% | 91.37% | $0 | $27.0M |
| Q2 2026 | 86.41% | 91.31% | $0 | $20.6M |
Waypoint Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waypoint 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 Waypoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)