WNB Financial, N.A.: 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.
Cash and balances due from depository institutions climbed 23.6% in Q2 2026, from $55.2M to $68.2M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, WNB Financial, N.A. is 164th of 221 on loan-to-deposit ratio, 68.65% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. WNB Financial, N.A. sits 12.30 points lower, at 68.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $68.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $195.5M |
| 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 | $7.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.65% |
| Net loans and leases to deposits | 67.80% |
| Loans and leases to core deposits | 72.78% |
| Core deposits to total deposits | 94.31% |
| 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 | 69.65% | 93.77% | $0 | $42.3M |
| Q4 2023 | 72.34% | 93.05% | $0 | $42.3M |
| Q1 2024 | 74.47% | 93.27% | $0 | $39.7M |
| Q2 2024 | 73.93% | 93.51% | $0 | $22.1M |
| Q3 2024 | 72.26% | 94.07% | $0 | $23.0M |
| Q4 2024 | 69.70% | 94.33% | $0 | $17.4M |
| Q1 2025 | 70.36% | 93.67% | $0 | $12.5M |
| Q2 2025 | 71.59% | 93.71% | $0 | $7.8M |
| Q3 2025 | 72.71% | 93.70% | $0 | $7.6M |
| Q4 2025 | 68.33% | 94.78% | $0 | $7.6M |
| Q1 2026 | 69.06% | 94.16% | $0 | $7.6M |
| Q2 2026 | 68.65% | 94.31% | $0 | $7.6M |
WNB Financial, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock WNB Financial, N.A., 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 WNB Financial, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5280) · FFIEC NIC profile (RSSD 220059)