Williamsville State Bank and Trust: 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.
Fed funds sold and reverse repos to assets climbed 4.17 percentage points in Q2 2026, from 21.67% to 25.84%. It was the largest change from Q1 2026 among the key lines here. Williamsville State Bank and Trust has the 4th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 29.44% as of Q2 2026. Williamsville State Bank and Trust's loan-to-deposit ratio of 29.44% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 38.18 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.1M |
| Fed funds sold and reverse repos | $24.2M |
| Fed funds sold and reverse repos to assets | 25.84% |
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 | 29.44% |
| Net loans and leases to deposits | 29.22% |
| Loans and leases to core deposits | 29.81% |
| Core deposits to total deposits | 98.78% |
| 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 | 36.42% | 98.88% | $0 | $0 |
| Q4 2023 | 37.86% | 98.80% | $0 | $0 |
| Q1 2024 | 36.43% | 98.81% | $0 | $0 |
| Q2 2024 | 35.84% | 98.78% | $0 | $0 |
| Q3 2024 | 35.47% | 98.76% | $0 | $0 |
| Q4 2024 | 36.00% | 98.26% | $0 | $0 |
| Q1 2025 | 34.85% | 98.64% | $0 | $0 |
| Q2 2025 | 33.56% | 98.66% | $0 | $0 |
| Q3 2025 | 31.52% | 98.65% | $0 | $0 |
| Q4 2025 | 32.06% | 99.44% | $0 | $0 |
| Q1 2026 | 31.32% | 99.44% | $0 | $0 |
| Q2 2026 | 29.44% | 98.78% | $0 | $0 |
Williamsville State Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamsville State Bank and Trust, 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 Williamsville State Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12388) · FFIEC NIC profile (RSSD 365848)