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.
Loans and leases to core deposits climbed 1.49 percentage points in Q2 2026, from 26.87% to 28.36%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Western Bank is 3rd from the bottom among 29 New Mexico banks, 26.71% (Q2 2026). Western Bank's loan-to-deposit ratio of 26.71% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 53.84 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $239.3M |
| 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 | $556K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.71% |
| Net loans and leases to deposits | 26.19% |
| Loans and leases to core deposits | 28.36% |
| Core deposits to total deposits | 94.19% |
| 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 | 30.57% | 95.74% | $0 | $664K |
| Q4 2023 | 29.03% | 95.70% | $0 | $654K |
| Q1 2024 | 28.87% | 95.17% | $0 | $645K |
| Q2 2024 | 29.22% | 95.43% | $0 | $635K |
| Q3 2024 | 29.87% | 95.07% | $0 | $625K |
| Q4 2024 | 29.50% | 95.61% | $0 | $616K |
| Q1 2025 | 27.17% | 93.79% | $0 | $606K |
| Q2 2025 | 26.84% | 94.07% | $0 | $596K |
| Q3 2025 | 25.52% | 93.95% | $0 | $586K |
| Q4 2025 | 26.26% | 93.28% | $0 | $577K |
| Q1 2026 | 25.34% | 94.31% | $0 | $567K |
| Q2 2026 | 26.71% | 94.19% | $0 | $556K |
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 2249) · FFIEC NIC profile (RSSD 723653)