WEX 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 climbed 92.9% in Q2 2026, from $528.6M to $1.02B. It was the largest change from Q1 2026 among the key lines here. WEX Bank ranks 37th of 44 Utah banks on loan-to-deposit ratio, in the lower half at 55.42% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. WEX Bank sits 31.46 points lower, at 55.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.02B |
| Cash and noninterest-bearing balances to assets | 9.52% |
| Cash and securities | $6.05B |
| Fed funds sold and reverse repos | $27K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $100.0M |
| Other borrowed money | $1.58B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.42% |
| Net loans and leases to deposits | 54.70% |
| Loans and leases to core deposits | 55.57% |
| Core deposits to total deposits | 81.55% |
| Brokered deposits to total deposits | 18.17% |
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 | 62.71% | 77.79% | $260.1M | $541.5M |
| Q4 2023 | 56.91% | 84.66% | $70.0M | $814.0M |
| Q1 2024 | 59.74% | 86.98% | $150.1M | $805.5M |
| Q2 2024 | 61.71% | 87.08% | $0 | $1.09B |
| Q3 2024 | 60.50% | 87.88% | $150.0M | $1.14B |
| Q4 2024 | 50.13% | 88.22% | $0 | $1.15B |
| Q1 2025 | 59.37% | 87.26% | $110.0M | $1.23B |
| Q2 2025 | 58.00% | 85.84% | $170.0M | $1.22B |
| Q3 2025 | 53.11% | 84.96% | $0 | $1.15B |
| Q4 2025 | 47.93% | 84.85% | $0 | $1.17B |
| Q1 2026 | 55.34% | 87.69% | $185.0M | $1.28B |
| Q2 2026 | 55.42% | 81.55% | $100.0M | $1.58B |
WEX Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock WEX 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 WEX Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34697) · FFIEC NIC profile (RSSD 2700984)