Woodlands 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 Net loans and leases to deposits: 2.47 percentage points higher than in Q1 2026, at 78.48%. Within Pennsylvania, Woodlands Bank is 75th of 109 on loan-to-deposit ratio, 79.41% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Woodlands Bank reported 79.41% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $153.2M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 0.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.41% |
| Net loans and leases to deposits | 78.48% |
| Loans and leases to core deposits | 81.53% |
| Core deposits to total deposits | 97.39% |
| 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 | 83.22% | 98.42% | $0 | $35.1M |
| Q4 2023 | 85.56% | 98.09% | $0 | $58.1M |
| Q1 2024 | 84.35% | 97.32% | $0 | $44.6M |
| Q2 2024 | 86.49% | 97.03% | $393K | $49.1M |
| Q3 2024 | 83.64% | 96.77% | $0 | $36.1M |
| Q4 2024 | 83.37% | 96.53% | $155K | $20.1M |
| Q1 2025 | 80.53% | 96.84% | $0 | $20.1M |
| Q2 2025 | 79.05% | 96.70% | $0 | $15.1M |
| Q3 2025 | 77.33% | 96.90% | $0 | $10.1M |
| Q4 2025 | 79.43% | 97.14% | $0 | $10.1M |
| Q1 2026 | 77.09% | 97.23% | $0 | $10.1M |
| Q2 2026 | 79.41% | 97.39% | $0 | $10.1M |
Woodlands Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands 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 Woodlands Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33136) · FFIEC NIC profile (RSSD 1479470)