West Michigan Community 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.
Fed funds purchased and repos dropped 100.0% in Q2 2026, from $18.0M to $0. It was the largest change from Q1 2026 among the key lines here. West Michigan Community Bank ranks 12th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 97.27% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. West Michigan Community Bank sits 9.07 points higher, at 97.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.0M |
| Fed funds sold and reverse repos | $8.0M |
| Fed funds sold and reverse repos to assets | 0.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.98% |
| Trading liabilities | $1.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.27% |
| Net loans and leases to deposits | 95.92% |
| Loans and leases to core deposits | 109.14% |
| Core deposits to total deposits | 87.73% |
| Brokered deposits to total deposits | 1.40% |
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 | 101.37% | 87.85% | $6.8M | $30.0M |
| Q4 2023 | 101.78% | 89.03% | $18.8M | $20.0M |
| Q1 2024 | 105.16% | 89.02% | $23.5M | $55.0M |
| Q2 2024 | 100.54% | 87.93% | $3.0M | $37.0M |
| Q3 2024 | 101.98% | 86.39% | $0 | $56.0M |
| Q4 2024 | 96.34% | 87.06% | $0 | $10.0M |
| Q1 2025 | 99.79% | 87.55% | $16.0M | $21.0M |
| Q2 2025 | 99.70% | 87.43% | $7.0M | $30.0M |
| Q3 2025 | 101.10% | 87.61% | $48.0M | $0 |
| Q4 2025 | 97.53% | 87.66% | $4.5M | $28.0M |
| Q1 2026 | 99.11% | 88.05% | $18.0M | $14.0M |
| Q2 2026 | 97.27% | 87.73% | $0 | $24.0M |
West Michigan Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Michigan Community 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 Michigan Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22308) · FFIEC NIC profile (RSSD 715340)