Whitesville 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 15.9% in Q2 2026, from $12.4M to $10.5M. It was the largest change from Q1 2026 among the key lines here. Whitesville State Bank ranks 34th of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 60.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Whitesville State Bank sits 20.59 points lower, at 60.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.7M |
| 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 | 60.35% |
| Net loans and leases to deposits | 59.76% |
| Loans and leases to core deposits | 68.23% |
| Core deposits to total deposits | 88.26% |
| Brokered deposits to total deposits | 0.19% |
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 | 56.63% | 91.33% | $0 | $0 |
| Q4 2023 | 56.62% | 91.83% | $0 | $0 |
| Q1 2024 | 56.33% | 90.89% | $2.0M | $0 |
| Q2 2024 | 57.44% | 90.88% | $2.0M | $0 |
| Q3 2024 | 58.01% | 90.15% | $2.0M | $1.0M |
| Q4 2024 | 57.28% | 89.74% | $1.0M | $1.5M |
| Q1 2025 | 55.42% | 89.68% | $0 | $0 |
| Q2 2025 | 56.03% | 89.55% | $0 | $0 |
| Q3 2025 | 57.53% | 88.96% | $0 | $0 |
| Q4 2025 | 59.55% | 88.58% | $0 | $1.5M |
| Q1 2026 | 59.95% | 88.61% | $0 | $0 |
| Q2 2026 | 60.35% | 88.26% | $0 | $0 |
Whitesville State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitesville 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 Whitesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16453) · FFIEC NIC profile (RSSD 732637)