West Plains 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 Other borrowed money: 33.1% higher than in Q1 2026, at $6.9M. Within Nebraska, West Plains Bank is 105th of 138 on loan-to-deposit ratio, 76.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. West Plains Bank sits 4.39 points lower, at 76.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.2M |
| 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 | $6.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.55% |
| Net loans and leases to deposits | 75.46% |
| Loans and leases to core deposits | 82.51% |
| Core deposits to total deposits | 92.78% |
| 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 | 70.85% | 92.12% | $0 | $3.5M |
| Q4 2023 | 65.19% | 91.99% | $0 | $4.6M |
| Q1 2024 | 69.86% | 91.07% | $0 | $3.7M |
| Q2 2024 | 74.02% | 90.99% | $0 | $3.9M |
| Q3 2024 | 69.37% | 89.99% | $0 | $4.0M |
| Q4 2024 | 73.45% | 91.05% | $4.4M | $2.3M |
| Q1 2025 | 72.05% | 91.20% | $1.1M | $3.1M |
| Q2 2025 | 75.80% | 90.12% | $2.1M | $4.2M |
| Q3 2025 | 78.32% | 89.73% | $2.6M | $3.7M |
| Q4 2025 | 76.92% | 85.28% | $0 | $5.5M |
| Q1 2026 | 74.53% | 92.53% | $0 | $5.2M |
| Q2 2026 | 76.55% | 92.78% | $0 | $6.9M |
West Plains Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains 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 Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5369) · FFIEC NIC profile (RSSD 967952)