Woodlands National 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 Brokered deposits to total deposits: 3.79 percentage points higher than in Q1 2026, at 12.73%. Woodlands National Bank has the 10th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 40.77% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Woodlands National Bank sits 40.07 points lower, at 40.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.9M |
| Cash and noninterest-bearing balances to assets | 17.79% |
| Cash and securities | $193.6M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 1.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.77% |
| Net loans and leases to deposits | 40.14% |
| Loans and leases to core deposits | 43.10% |
| Core deposits to total deposits | 86.67% |
| Brokered deposits to total deposits | 12.73% |
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 | 48.19% | 87.80% | $0 | $1.0M |
| Q4 2023 | 45.55% | 83.58% | $0 | $1.0M |
| Q1 2024 | 42.81% | 86.45% | $0 | $1.0M |
| Q2 2024 | 45.80% | 85.43% | $0 | $1.0M |
| Q3 2024 | 43.98% | 87.37% | $0 | $1.0M |
| Q4 2024 | 48.42% | 86.86% | $0 | $1.0M |
| Q1 2025 | 45.62% | 91.12% | $0 | $1.0M |
| Q2 2025 | 45.53% | 90.46% | $0 | $1.0M |
| Q3 2025 | 43.80% | 89.57% | $0 | $1.0M |
| Q4 2025 | 44.34% | 89.14% | $0 | $1.0M |
| Q1 2026 | 43.28% | 90.11% | $0 | $1.0M |
| Q2 2026 | 40.77% | 86.67% | $0 | $1.0M |
Woodlands National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1417) · FFIEC NIC profile (RSSD 980951)