Wilson Bank & 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 51.8% lower than in Q1 2026, at $4.7M. Wilson Bank & Trust ranks 50th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 84.18% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Wilson Bank & Trust sits 4.02 points lower, at 84.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $245.2M |
| Cash and noninterest-bearing balances to assets | 4.02% |
| Cash and securities | $1.30B |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.18% |
| Net loans and leases to deposits | 83.10% |
| Loans and leases to core deposits | 97.00% |
| Core deposits to total deposits | 86.78% |
| 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 | 84.32% | 85.57% | $0 | $2.3M |
| Q4 2023 | 82.23% | 85.71% | $0 | $2.3M |
| Q1 2024 | 81.24% | 86.38% | $0 | $2.2M |
| Q2 2024 | 83.44% | 86.21% | $0 | $2.2M |
| Q3 2024 | 84.60% | 85.70% | $0 | $2.2M |
| Q4 2024 | 84.58% | 85.14% | $0 | $3.1M |
| Q1 2025 | 84.10% | 85.33% | $0 | $4.2M |
| Q2 2025 | 84.90% | 86.52% | $0 | $4.2M |
| Q3 2025 | 83.59% | 86.21% | $0 | $4.2M |
| Q4 2025 | 82.88% | 86.89% | $0 | $4.2M |
| Q1 2026 | 82.14% | 86.70% | $0 | $4.1M |
| Q2 2026 | 84.18% | 86.78% | $0 | $4.1M |
Wilson Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson Bank & 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 Wilson Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26962) · FFIEC NIC profile (RSSD 159636)