West Central 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: 100.0% lower than in Q1 2026, at $0. Within Illinois, West Central Bank is 102nd of 323 on loan-to-deposit ratio, 83.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West Central Bank sits 3.00 points higher, at 83.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.0M |
| 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 | $489K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.84% |
| Net loans and leases to deposits | 83.13% |
| Loans and leases to core deposits | 96.56% |
| Core deposits to total deposits | 86.83% |
| 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 | 93.12% | 92.93% | $4.3M | $36.6M |
| Q4 2023 | 96.64% | 91.82% | $3.9M | $37.7M |
| Q1 2024 | 93.20% | 91.63% | $0 | $33.0M |
| Q2 2024 | 95.98% | 91.29% | $3.0M | $34.5M |
| Q3 2024 | 93.81% | 89.69% | $0 | $33.0M |
| Q4 2024 | 94.88% | 88.38% | $0 | $33.0M |
| Q1 2025 | 91.51% | 87.60% | $0 | $24.0M |
| Q2 2025 | 90.34% | 88.45% | $0 | $21.0M |
| Q3 2025 | 90.17% | 87.14% | $0 | $20.0M |
| Q4 2025 | 87.79% | 86.56% | $0 | $14.0M |
| Q1 2026 | 83.21% | 87.12% | $0 | $489K |
| Q2 2026 | 83.84% | 86.83% | $0 | $489K |
West Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10853) · FFIEC NIC profile (RSSD 920733)