Western National 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 Fed funds sold and reverse repos: 78.7% lower than in Q1 2026, at $3.3M. Western National Bank ranks 61st of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 88.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Western National Bank sits 7.27 points higher, at 88.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $38.7M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 1.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $153K |
| Other borrowed money | $100K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.11% |
| Net loans and leases to deposits | 87.10% |
| Loans and leases to core deposits | 96.34% |
| Core deposits to total deposits | 91.24% |
| Brokered deposits to total deposits | 0.21% |
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 | 85.47% | 93.27% | $249K | $15.7M |
| Q4 2023 | 86.28% | 93.09% | $246K | $11.7M |
| Q1 2024 | 88.53% | 91.94% | $134K | $9.0M |
| Q2 2024 | 86.08% | 92.18% | $224K | $450K |
| Q3 2024 | 90.56% | 91.78% | $168K | $5.6M |
| Q4 2024 | 95.52% | 91.36% | $185K | $15.8M |
| Q1 2025 | 87.98% | 91.55% | $201K | $450K |
| Q2 2025 | 86.90% | 91.09% | $215K | $450K |
| Q3 2025 | 89.49% | 90.25% | $166K | $1.4M |
| Q4 2025 | 90.96% | 90.37% | $129K | $450K |
| Q1 2026 | 84.68% | 91.65% | $68K | $100K |
| Q2 2026 | 88.11% | 91.24% | $153K | $100K |
Western National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4778) · FFIEC NIC profile (RSSD 199351)