Western 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: 11.48 percentage points higher than in Q1 2026, at 113.06%. On loan-to-deposit ratio, Western Bank ranks 27th highest among the 346 banks headquartered in Texas, at 96.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Western Bank sits 16.42 points higher, at 96.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.0M |
| 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 | $62.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.98% |
| Net loans and leases to deposits | 95.80% |
| Loans and leases to core deposits | 113.06% |
| Core deposits to total deposits | 85.77% |
| 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 | 94.77% | 83.78% | $0 | $50.0M |
| Q4 2023 | 92.68% | 82.70% | $0 | $40.0M |
| Q1 2024 | 93.33% | 85.30% | $0 | $25.0M |
| Q2 2024 | 95.37% | 85.18% | $0 | $50.0M |
| Q3 2024 | 91.93% | 85.14% | $0 | $20.0M |
| Q4 2024 | 87.84% | 86.57% | $0 | $0 |
| Q1 2025 | 90.37% | 85.32% | $0 | $13.5M |
| Q2 2025 | 91.07% | 86.07% | $0 | $20.0M |
| Q3 2025 | 93.56% | 85.58% | $0 | $40.0M |
| Q4 2025 | 94.02% | 85.24% | $0 | $40.0M |
| Q1 2026 | 88.30% | 86.92% | $0 | $30.0M |
| Q2 2026 | 96.98% | 85.77% | $0 | $62.0M |
Western Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western 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 Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1720) · FFIEC NIC profile (RSSD 199463)