Westmoreland Federal Savings and Loan Association of Latrobe: 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 Cash and balances due from depository institutions: 18.9% lower than in Q1 2026, at $18.4M. On loan-to-deposit ratio, Westmoreland Federal Savings and Loan Association of Latrobe is 10th from the bottom among 109 Pennsylvania banks, 57.59% (Q2 2026). Westmoreland Federal Savings and Loan Association of Latrobe reported 57.59% on loan-to-deposit ratio for Q2 2026, 23.25 points below 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 | $18.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.5M |
| 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 | 57.59% |
| Net loans and leases to deposits | 57.24% |
| Loans and leases to core deposits | 61.67% |
| Core deposits to total deposits | 93.38% |
| 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 | 60.81% | 95.20% | $0 | $0 |
| Q4 2023 | 60.51% | 95.19% | $0 | $0 |
| Q1 2024 | 58.23% | 95.20% | $0 | $0 |
| Q2 2024 | 59.14% | 94.48% | $0 | $0 |
| Q3 2024 | 58.25% | 94.41% | $0 | $0 |
| Q4 2024 | 55.96% | 94.08% | $0 | $0 |
| Q1 2025 | 56.24% | 93.63% | $0 | $0 |
| Q2 2025 | 56.29% | 93.61% | $0 | $0 |
| Q3 2025 | 59.07% | 93.33% | $0 | $0 |
| Q4 2025 | 57.70% | 93.29% | $0 | $0 |
| Q1 2026 | 56.04% | 92.89% | $0 | $0 |
| Q2 2026 | 57.59% | 93.38% | $0 | $0 |
Westmoreland Federal Savings and Loan Association of Latrobe liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Westmoreland Federal Savings and Loan Association of Latrobe, 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 Westmoreland Federal Savings and Loan Association of Latrobe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30551) · FFIEC NIC profile (RSSD 188177)