The Wilmington Savings Bank: Liquidity and Borrowings
BankRegReports is independent of The Wilmington Savings Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, The Wilmington Savings Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $20.2M in Q3 2026, down 29.6% from $28.8M in Q3 2025. That is 7.6% of its total assets. Across the 12 quarters shown it ranged from $7.6M (Q1 2024) to $28.8M (Q3 2025).
The standout move of Q3 2026 was in Cash and balances due from depository institutions: 21.5% higher than in Q2 2026, at $20.2M. Within Ohio, The Wilmington Savings Bank is 35th of 154 on loan-to-deposit ratio, 92.72% as of Q3 2026. The Wilmington Savings Bank reported 92.72% on loan-to-deposit ratio for Q3 2026, 11.27 points above the 81.45% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Get an email when The Wilmington Savings Bank files its next quarter, and see its liquidity and borrowings against peers in the terminal. Free account, no card.
Borrowed funds
| Line item | Q3 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
Net loans and leases to deposits moved most in this table, down 1.00 points: 90.85% in Q2 2026, 89.85% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 92.72% |
| Net loans and leases to deposits | 89.85% |
| Loans and leases to core deposits | 107.43% |
| Core deposits to total deposits | 86.31% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 116.01% | 87.45% | $0 | $18.8M |
| Q1 2024 | 121.62% | 86.34% | $0 | $20.6M |
| Q2 2024 | 91.96% | 88.79% | $0 | $500K |
| Q3 2024 | 91.09% | 88.36% | $0 | $0 |
| Q4 2024 | 91.62% | 89.93% | $0 | $0 |
| Q1 2025 | 89.09% | 89.56% | $0 | $0 |
| Q2 2025 | 92.12% | 88.18% | $0 | $0 |
| Q3 2025 | 87.50% | 87.24% | $0 | $0 |
| Q4 2025 | 90.56% | 87.23% | $0 | $0 |
| Q1 2026 | 93.34% | 86.90% | $0 | $0 |
| Q2 2026 | 93.73% | 87.19% | $0 | $0 |
| Q3 2026 | 92.72% | 86.31% | $0 | $0 |
The Wilmington Savings Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Wilmington Savings Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 31539) · FFIEC NIC profile (RSSD 87476)