Wilmington Savings Fund Society, FSB: 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 Other borrowed money: 15.5% lower than in Q1 2026, at $18.8M. Within Delaware, Wilmington Savings Fund Society, FSB is 9th of 17 on loan-to-deposit ratio, 69.90% as of Q2 2026, below the middle of the field. Wilmington Savings Fund Society, FSB reported 69.90% on loan-to-deposit ratio for Q2 2026, 16.93 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.57B |
| Cash and noninterest-bearing balances to assets | 11.38% |
| Cash and securities | $7.35B |
| 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 | $18.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.90% |
| Net loans and leases to deposits | 68.99% |
| Loans and leases to core deposits | 71.29% |
| Core deposits to total deposits | 98.06% |
| 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 | 78.40% | 97.77% | $25.0M | $583.9M |
| Q4 2023 | 76.60% | 97.92% | $0 | $586.0M |
| Q1 2024 | 79.36% | 97.87% | $0 | $815.8M |
| Q2 2024 | 79.26% | 97.76% | $0 | $833.0M |
| Q3 2024 | 79.71% | 97.54% | $0 | $765.8M |
| Q4 2024 | 76.36% | 97.46% | $0 | $74.1M |
| Q1 2025 | 76.83% | 97.54% | $0 | $78.5M |
| Q2 2025 | 75.01% | 97.57% | $0 | $63.8M |
| Q3 2025 | 74.06% | 97.56% | $0 | $15.3M |
| Q4 2025 | 74.29% | 97.64% | $0 | $14.7M |
| Q1 2026 | 71.03% | 97.90% | $0 | $22.3M |
| Q2 2026 | 69.90% | 98.06% | $0 | $18.8M |
Wilmington Savings Fund Society, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilmington Savings Fund Society, FSB, 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 Wilmington Savings Fund Society, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17838) · FFIEC NIC profile (RSSD 437914)