Western State Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Western State Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $105.0M in Q3 2026, down 15.2% from $123.9M in Q3 2025. That is 4.2% of its total assets. Across the 12 quarters shown it ranged from $99.3M (Q2 2024) to $290.7M (Q1 2026).
Other borrowed money climbed 755.2% in Q3 2026, from $5.3M to $45.3M. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, Western State Bank ranks 3rd highest among the 60 banks headquartered in North Dakota, at 111.01% (Q3 2026). Western State Bank reported 111.01% on loan-to-deposit ratio for Q3 2026, 22.88 points above the 88.13% median for banks in the $1B-10B asset tier.
Liquid assets
Cash and balances due from depository institutions moved most in this table, down 25.5%: $141.0M in Q2 2026, $105.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $105.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $172.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $45.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.81% |
| Trading liabilities | $0 |
Funding structure
Loans and leases to core deposits changed the most here, up 4.72 points to 127.19% in Q3 2026 from 122.47% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 111.01% |
| Net loans and leases to deposits | 109.08% |
| Loans and leases to core deposits | 127.19% |
| Core deposits to total deposits | 84.18% |
| Brokered deposits to total deposits | 3.11% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 103.47% | 87.61% | $0 | $5.6M |
| Q1 2024 | 102.01% | 87.67% | $0 | $5.6M |
| Q2 2024 | 105.94% | 86.74% | $0 | $5.6M |
| Q3 2024 | 103.83% | 85.51% | $0 | $5.5M |
| Q4 2024 | 103.43% | 85.43% | $0 | $5.5M |
| Q1 2025 | 99.69% | 84.71% | $0 | $5.5M |
| Q2 2025 | 106.28% | 84.93% | $0 | $25.4M |
| Q3 2025 | 108.13% | 83.92% | $0 | $25.4M |
| Q4 2025 | 100.65% | 84.42% | $0 | $5.4M |
| Q1 2026 | 99.35% | 84.39% | $0 | $5.3M |
| Q2 2026 | 106.75% | 83.63% | $0 | $5.3M |
| Q3 2026 | 111.01% | 84.18% | $0 | $45.3M |
Western State Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Western State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 9123) · FFIEC NIC profile (RSSD 233554)