Western Nebraska 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.
Other borrowed money climbed 296.6% in Q2 2026, from $2.9M to $11.5M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Western Nebraska Bank is 27th of 138 on loan-to-deposit ratio, 94.59% as of Q2 2026, above the middle of the field. Western Nebraska Bank reported 94.59% on loan-to-deposit ratio for Q2 2026, 13.75 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.0M |
| 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 | $911K |
| Other borrowed money | $11.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.59% |
| Net loans and leases to deposits | 93.60% |
| Loans and leases to core deposits | 101.23% |
| Core deposits to total deposits | 87.41% |
| Brokered deposits to total deposits | 6.04% |
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 | 95.36% | 88.39% | $0 | $23.7M |
| Q4 2023 | 87.96% | 88.16% | $0 | $14.7M |
| Q1 2024 | 85.12% | 86.27% | $0 | $6.0M |
| Q2 2024 | 84.05% | 87.78% | $0 | $5.2M |
| Q3 2024 | 88.88% | 87.51% | $1.2M | $13.2M |
| Q4 2024 | 90.47% | 88.32% | $0 | $19.8M |
| Q1 2025 | 85.31% | 88.58% | $0 | $9.5M |
| Q2 2025 | 91.18% | 88.65% | $423K | $16.7M |
| Q3 2025 | 94.53% | 84.98% | $484K | $19.6M |
| Q4 2025 | 95.64% | 85.10% | $0 | $18.5M |
| Q1 2026 | 87.99% | 84.11% | $0 | $2.9M |
| Q2 2026 | 94.59% | 87.41% | $911K | $11.5M |
Western Nebraska Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Nebraska 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 Nebraska Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1983) · FFIEC NIC profile (RSSD 248352)