West Pointe 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 Loans and leases to core deposits: 3.43 percentage points higher than in Q1 2026, at 134.95%. Among 153 Wisconsin banks, West Pointe Bank sits 7th from the top on loan-to-deposit ratio, 119.37% as of Q2 2026. West Pointe Bank reported 119.37% on loan-to-deposit ratio for Q2 2026, 38.82 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.7M |
| Fed funds sold and reverse repos | $13.9M |
| Fed funds sold and reverse repos to assets | 3.78% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $31.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.37% |
| Net loans and leases to deposits | 115.95% |
| Loans and leases to core deposits | 134.95% |
| Core deposits to total deposits | 72.72% |
| Brokered deposits to total deposits | 16.31% |
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 | 127.42% | 76.80% | $0 | $42.5M |
| Q4 2023 | 120.52% | 72.97% | $0 | $33.0M |
| Q1 2024 | 116.15% | 71.71% | $0 | $27.5M |
| Q2 2024 | 119.38% | 69.40% | $0 | $28.1M |
| Q3 2024 | 114.86% | 70.32% | $0 | $28.1M |
| Q4 2024 | 115.35% | 69.68% | $0 | $27.1M |
| Q1 2025 | 114.90% | 70.97% | $0 | $27.1M |
| Q2 2025 | 119.67% | 71.89% | $0 | $34.1M |
| Q3 2025 | 120.74% | 73.77% | $0 | $34.2M |
| Q4 2025 | 122.24% | 72.65% | $0 | $34.8M |
| Q1 2026 | 116.15% | 74.62% | $0 | $31.8M |
| Q2 2026 | 119.37% | 72.72% | $0 | $31.8M |
West Pointe Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Pointe 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 Pointe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34162) · FFIEC NIC profile (RSSD 2371816)