Westside 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 10.59 percentage points lower than in Q1 2026, at 126.41%. Among 225 Iowa banks, Westside State Bank sits 5th from the top on loan-to-deposit ratio, 112.85% as of Q2 2026. Westside State Bank reported 112.85% on loan-to-deposit ratio for Q2 2026, 32.29 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.8M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.47% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $34.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.85% |
| Net loans and leases to deposits | 111.90% |
| Loans and leases to core deposits | 126.41% |
| Core deposits to total deposits | 82.03% |
| Brokered deposits to total deposits | 7.24% |
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 | 99.39% | 94.53% | $0 | $21.3M |
| Q4 2023 | 100.01% | 94.58% | $0 | $22.8M |
| Q1 2024 | 105.60% | 92.97% | $0 | $29.8M |
| Q2 2024 | 116.10% | 92.33% | $1.7M | $41.8M |
| Q3 2024 | 114.92% | 89.45% | $0 | $48.5M |
| Q4 2024 | 115.17% | 90.34% | $168K | $36.5M |
| Q1 2025 | 113.33% | 91.40% | $0 | $34.4M |
| Q2 2025 | 115.86% | 88.66% | $0 | $45.5M |
| Q3 2025 | 119.82% | 84.95% | $0 | $43.5M |
| Q4 2025 | 120.91% | 83.81% | $0 | $45.5M |
| Q1 2026 | 121.97% | 86.06% | $1.2M | $45.5M |
| Q2 2026 | 112.85% | 82.03% | $0 | $34.9M |
Westside State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Westside 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 Westside State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18518) · FFIEC NIC profile (RSSD 972143)