West Plains Savings and Loan Association: 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 1.54 percentage points in Q2 2026, from 114.83% to 116.37%. It was the largest change from Q1 2026 among the key lines here. West Plains Savings and Loan Association ranks 30th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 97.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West Plains Savings and Loan Association sits 17.11 points higher, at 97.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.5M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.95% |
| Net loans and leases to deposits | 96.70% |
| Loans and leases to core deposits | 116.37% |
| Core deposits to total deposits | 84.17% |
| 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 | 105.24% | 87.24% | $0 | $4.7M |
| Q4 2023 | 105.25% | 86.85% | $0 | $4.7M |
| Q1 2024 | 104.25% | 85.31% | $0 | $4.7M |
| Q2 2024 | 103.22% | 85.39% | $0 | $4.7M |
| Q3 2024 | 105.26% | 84.97% | $0 | $4.7M |
| Q4 2024 | 107.00% | 85.76% | $0 | $4.7M |
| Q1 2025 | 105.46% | 86.75% | $0 | $4.7M |
| Q2 2025 | 101.41% | 85.89% | $0 | $4.6M |
| Q3 2025 | 100.24% | 85.80% | $0 | $4.6M |
| Q4 2025 | 98.72% | 85.07% | $0 | $2.6M |
| Q1 2026 | 97.29% | 84.72% | $0 | $2.0M |
| Q2 2026 | 97.95% | 84.17% | $0 | $2.0M |
West Plains Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31329) · FFIEC NIC profile (RSSD 966973)