Williamstown Bank, Inc.: 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: 13.2% lower than in Q1 2026, at $17.1M. Williamstown Bank, Inc. ranks 12th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 88.79% (Q2 2026). Williamstown Bank, Inc. reported 88.79% on loan-to-deposit ratio for Q2 2026, 7.95 points above 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 | $17.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.6M |
| Fed funds sold and reverse repos | $160K |
| Fed funds sold and reverse repos to assets | 0.07% |
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 | 88.79% |
| Net loans and leases to deposits | 88.14% |
| Loans and leases to core deposits | 97.28% |
| Core deposits to total deposits | 91.28% |
| 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 | 92.04% | 95.93% | $0 | $9.0M |
| Q4 2023 | 93.68% | 96.01% | $0 | $9.7M |
| Q1 2024 | 89.42% | 92.72% | $0 | $4.4M |
| Q2 2024 | 90.94% | 92.74% | $0 | $3.0M |
| Q3 2024 | 92.55% | 92.36% | $0 | $5.6M |
| Q4 2024 | 91.73% | 91.86% | $0 | $2.6M |
| Q1 2025 | 89.44% | 92.06% | $0 | $1.6M |
| Q2 2025 | 90.43% | 92.19% | $0 | $1.6M |
| Q3 2025 | 92.65% | 92.23% | $0 | $874K |
| Q4 2025 | 91.62% | 91.74% | $0 | $0 |
| Q1 2026 | 87.70% | 91.33% | $0 | $0 |
| Q2 2026 | 88.79% | 91.28% | $0 | $0 |
Williamstown Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamstown Bank, Inc., 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 Williamstown Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14744) · FFIEC NIC profile (RSSD 918132)