West Union 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: 5.59 percentage points higher than in Q1 2026, at 65.53%. West Union Bank ranks 35th of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 58.98% (Q2 2026). West Union Bank reported 58.98% on loan-to-deposit ratio for Q2 2026, 21.57 points below 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 | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $134.9M |
| Fed funds sold and reverse repos | $68K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.4M |
| Other borrowed money | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.98% |
| Net loans and leases to deposits | 58.21% |
| Loans and leases to core deposits | 65.53% |
| Core deposits to total deposits | 90.00% |
| Brokered deposits to total deposits | 0.95% |
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 | 47.02% | 97.69% | $6.2M | $236K |
| Q4 2023 | 49.85% | 95.85% | $9.1M | $6.2M |
| Q1 2024 | 50.63% | 95.14% | $9.2M | $6.2M |
| Q2 2024 | 55.16% | 93.62% | $8.1M | $6.2M |
| Q3 2024 | 54.70% | 92.84% | $8.3M | $6.2M |
| Q4 2024 | 54.66% | 91.68% | $9.5M | $188K |
| Q1 2025 | 48.52% | 90.06% | $6.7M | $178K |
| Q2 2025 | 52.42% | 89.22% | $5.5M | $168K |
| Q3 2025 | 51.58% | 88.15% | $7.1M | $159K |
| Q4 2025 | 54.14% | 88.83% | $7.9M | $149K |
| Q1 2026 | 53.67% | 89.53% | $7.1M | $139K |
| Q2 2026 | 58.98% | 90.00% | $6.4M | $9.0M |
West Union Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2452) · FFIEC NIC profile (RSSD 22730)