WebBank: 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.
Other borrowed money climbed 39.8% in Q2 2026, from $4.0M to $5.5M. It was the largest change from Q1 2026 among the key lines here. Within Utah, WebBank is 7th of 44 on loan-to-deposit ratio, 107.47% as of Q2 2026. WebBank reported 107.47% on loan-to-deposit ratio for Q2 2026, 19.27 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $294.1M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.47% |
| Net loans and leases to deposits | 106.38% |
| Loans and leases to core deposits | 107.50% |
| Core deposits to total deposits | 21.00% |
| Brokered deposits to total deposits | 78.97% |
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 | 94.47% | 13.38% | $431K | $22.5M |
| Q4 2023 | 95.79% | 13.39% | $0 | $17.0M |
| Q1 2024 | 95.04% | 14.14% | $0 | $10.1M |
| Q2 2024 | 95.45% | 13.97% | $0 | $7.0M |
| Q3 2024 | 97.54% | 12.81% | $0 | $5.5M |
| Q4 2024 | 110.12% | 16.69% | $0 | $3.9M |
| Q1 2025 | 107.97% | 16.52% | $0 | $6.9M |
| Q2 2025 | 106.78% | 19.74% | $0 | $5.9M |
| Q3 2025 | 109.58% | 19.71% | $0 | $5.2M |
| Q4 2025 | 89.86% | 20.02% | $0 | $4.6M |
| Q1 2026 | 108.58% | 22.02% | $0 | $4.0M |
| Q2 2026 | 107.47% | 21.00% | $0 | $5.5M |
WebBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock WebBank, 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 WebBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34404) · FFIEC NIC profile (RSSD 2576134)