Western Commerce 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 4.47 percentage points in Q2 2026, from 61.05% to 65.51%. It was the largest change from Q1 2026 among the key lines here. Western Commerce Bank ranks 13th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 64.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Western Commerce Bank sits 16.02 points lower, at 64.53% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $82.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $344.7M |
| 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 | $421K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.53% |
| Net loans and leases to deposits | 63.85% |
| Loans and leases to core deposits | 65.51% |
| Core deposits to total deposits | 98.50% |
| 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 | 61.42% | 96.26% | $0 | $4.1M |
| Q4 2023 | 61.42% | 96.43% | $0 | $3.6M |
| Q1 2024 | 61.26% | 98.17% | $0 | $3.0M |
| Q2 2024 | 66.14% | 98.00% | $0 | $2.4M |
| Q3 2024 | 64.37% | 97.56% | $0 | $2.0M |
| Q4 2024 | 65.00% | 98.31% | $0 | $1.7M |
| Q1 2025 | 60.18% | 98.57% | $0 | $1.4M |
| Q2 2025 | 62.75% | 98.46% | $0 | $1.2M |
| Q3 2025 | 61.81% | 98.53% | $0 | $1.0M |
| Q4 2025 | 61.23% | 98.63% | $0 | $822K |
| Q1 2026 | 60.24% | 98.68% | $0 | $622K |
| Q2 2026 | 64.53% | 98.50% | $0 | $421K |
Western Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18389) · FFIEC NIC profile (RSSD 169756)