West 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 32.4% in Q2 2026, from $220.2M to $291.6M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, West Bank is 85th of 225 on loan-to-deposit ratio, 88.02% as of Q2 2026, above the middle of the field. At 88.02%, West Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $291.6M |
| Cash and noninterest-bearing balances to assets | 7.24% |
| Cash and securities | $738.2M |
| Fed funds sold and reverse repos | $142.1M |
| Fed funds sold and reverse repos to assets | 3.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $270.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.02% |
| Net loans and leases to deposits | 87.11% |
| Loans and leases to core deposits | 95.00% |
| Core deposits to total deposits | 89.36% |
| Brokered deposits to total deposits | 3.30% |
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 | 103.18% | 87.47% | $0 | $588.0M |
| Q4 2023 | 98.28% | 86.83% | $0 | $476.8M |
| Q1 2024 | 97.05% | 82.48% | $0 | $525.0M |
| Q2 2024 | 94.12% | 84.19% | $0 | $412.0M |
| Q3 2024 | 92.00% | 81.28% | $0 | $326.5M |
| Q4 2024 | 89.38% | 84.13% | $0 | $281.5M |
| Q1 2025 | 90.61% | 82.72% | $0 | $281.5M |
| Q2 2025 | 87.32% | 87.21% | $0 | $281.5M |
| Q3 2025 | 90.83% | 86.67% | $0 | $281.5M |
| Q4 2025 | 86.39% | 88.72% | $0 | $270.0M |
| Q1 2026 | 89.52% | 89.12% | $0 | $270.0M |
| Q2 2026 | 88.02% | 89.36% | $0 | $270.0M |
West Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West 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 West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15614) · FFIEC NIC profile (RSSD 139740)