Wellington State 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.
Cash and balances due from depository institutions climbed 19.9% in Q2 2026, from $66.1M to $79.2M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Wellington State Bank is 255th of 346 on loan-to-deposit ratio, 57.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wellington State Bank sits 23.53 points lower, at 57.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $285.5M |
| 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 | $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 | 57.31% |
| Net loans and leases to deposits | 56.48% |
| Loans and leases to core deposits | 65.90% |
| Core deposits to total deposits | 86.97% |
| 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 | 76.13% | 90.85% | $0 | $54.0M |
| Q4 2023 | 71.92% | 90.34% | $0 | $31.0M |
| Q1 2024 | 66.50% | 88.82% | $0 | $31.0M |
| Q2 2024 | 68.35% | 87.75% | $0 | $5.0M |
| Q3 2024 | 66.08% | 87.11% | $0 | $5.0M |
| Q4 2024 | 65.57% | 87.34% | $0 | $0 |
| Q1 2025 | 63.21% | 86.57% | $0 | $0 |
| Q2 2025 | 64.07% | 86.67% | $0 | $0 |
| Q3 2025 | 59.23% | 85.90% | $0 | $0 |
| Q4 2025 | 58.72% | 85.93% | $0 | $0 |
| Q1 2026 | 57.87% | 86.82% | $0 | $0 |
| Q2 2026 | 57.31% | 86.97% | $0 | $0 |
Wellington State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellington State 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 Wellington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1219) · FFIEC NIC profile (RSSD 371362)