Western State 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.
Cash and balances due from depository institutions dropped 57.2% in Q2 2026, from $37.9M to $16.2M. It was the largest change from Q1 2026 among the key lines here. Western State Bank ranks 98th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 74.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Western State Bank sits 6.61 points lower, at 74.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.2M |
| Cash and noninterest-bearing balances to assets | 2.02% |
| Cash and securities | $266.6M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.23% |
| Net loans and leases to deposits | 72.36% |
| Loans and leases to core deposits | 86.42% |
| Core deposits to total deposits | 84.46% |
| Brokered deposits to total deposits | 1.43% |
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 | 75.57% | 85.09% | $0 | $22.0M |
| Q4 2023 | 76.14% | 83.12% | $0 | $22.0M |
| Q1 2024 | 74.62% | 81.78% | $0 | $19.6M |
| Q2 2024 | 80.72% | 83.42% | $0 | $26.5M |
| Q3 2024 | 76.00% | 85.57% | $0 | $0 |
| Q4 2024 | 78.32% | 85.19% | $5.0M | $0 |
| Q1 2025 | 76.68% | 82.77% | $0 | $0 |
| Q2 2025 | 76.22% | 80.53% | $0 | $0 |
| Q3 2025 | 75.42% | 80.74% | $0 | $0 |
| Q4 2025 | 73.38% | 80.47% | $20K | $0 |
| Q1 2026 | 73.37% | 83.12% | $0 | $0 |
| Q2 2026 | 74.23% | 84.46% | $0 | $0 |
Western State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21121) · FFIEC NIC profile (RSSD 988153)