Wood & Huston Bank: 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 Loans and leases to core deposits: 5.22 percentage points higher than in Q1 2026, at 101.68%. Within Missouri, Wood & Huston Bank is 61st of 192 on loan-to-deposit ratio, 92.10% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Wood & Huston Bank sits 3.89 points higher, at 92.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $193.3M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.10% |
| Net loans and leases to deposits | 90.89% |
| Loans and leases to core deposits | 101.68% |
| Core deposits to total deposits | 90.57% |
| 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 | 89.08% | 86.91% | $0 | $4.1M |
| Q4 2023 | 83.00% | 86.35% | $0 | $3.3M |
| Q1 2024 | 86.68% | 85.44% | $0 | $0 |
| Q2 2024 | 87.05% | 85.65% | $0 | $0 |
| Q3 2024 | 86.80% | 84.69% | $0 | $0 |
| Q4 2024 | 81.21% | 87.20% | $0 | $0 |
| Q1 2025 | 85.32% | 87.99% | $0 | $0 |
| Q2 2025 | 87.90% | 88.14% | $0 | $0 |
| Q3 2025 | 88.84% | 88.77% | $0 | $15.0M |
| Q4 2025 | 83.21% | 89.63% | $0 | $0 |
| Q1 2026 | 87.20% | 89.77% | $0 | $0 |
| Q2 2026 | 92.10% | 90.57% | $0 | $10.0M |
Wood & Huston Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wood & Huston Bank, 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 Wood & Huston Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1060) · FFIEC NIC profile (RSSD 671558)