Wells River Savings 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 climbed 3.57 percentage points in Q2 2026, from 80.06% to 83.64%. It was the largest change from Q1 2026 among the key lines here. Wells River Savings Bank has the 3rd lowest loan-to-deposit ratio of the 12 banks headquartered in Vermont, at 79.63% as of Q2 2026. At 79.63%, Wells River Savings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.7M |
| 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 | $5.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.63% |
| Net loans and leases to deposits | 78.93% |
| Loans and leases to core deposits | 83.64% |
| Core deposits to total deposits | 95.21% |
| 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 | 75.99% | 97.77% | $0 | $15.2M |
| Q4 2023 | 78.95% | 97.34% | $0 | $20.2M |
| Q1 2024 | 78.05% | 97.22% | $0 | $22.2M |
| Q2 2024 | 79.41% | 96.84% | $0 | $17.2M |
| Q3 2024 | 79.30% | 96.56% | $0 | $15.2M |
| Q4 2024 | 77.10% | 96.41% | $0 | $11.1M |
| Q1 2025 | 78.33% | 96.09% | $0 | $11.1M |
| Q2 2025 | 77.93% | 95.95% | $0 | $11.1M |
| Q3 2025 | 77.22% | 95.73% | $0 | $7.1M |
| Q4 2025 | 79.06% | 95.59% | $0 | $6.1M |
| Q1 2026 | 76.44% | 95.47% | $0 | $5.1M |
| Q2 2026 | 79.63% | 95.21% | $0 | $5.1M |
Wells River Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells River Savings 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 Wells River Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14136) · FFIEC NIC profile (RSSD 303701)