Woodsboro 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.
Cash and balances due from depository institutions climbed 17.8% in Q2 2026, from $22.4M to $26.4M. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Woodsboro Bank is 24th of 27 on loan-to-deposit ratio, 77.08% as of Q2 2026, below the middle of the field. Woodsboro Bank reported 77.08% on loan-to-deposit ratio for Q2 2026, 3.76 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.2M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.08% |
| Net loans and leases to deposits | 76.18% |
| Loans and leases to core deposits | 81.00% |
| Core deposits to total deposits | 95.16% |
| 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 | 69.23% | 95.03% | $0 | $0 |
| Q4 2023 | 72.13% | 94.88% | $0 | $0 |
| Q1 2024 | 72.87% | 94.32% | $0 | $0 |
| Q2 2024 | 70.98% | 94.96% | $0 | $0 |
| Q3 2024 | 70.39% | 95.48% | $0 | $0 |
| Q4 2024 | 75.83% | 95.23% | $0 | $0 |
| Q1 2025 | 76.75% | 95.48% | $0 | $0 |
| Q2 2025 | 75.69% | 95.30% | $0 | $0 |
| Q3 2025 | 76.33% | 95.08% | $0 | $0 |
| Q4 2025 | 78.73% | 94.84% | $0 | $0 |
| Q1 2026 | 76.39% | 95.59% | $0 | $0 |
| Q2 2026 | 77.08% | 95.16% | $0 | $0 |
Woodsboro Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsboro 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 Woodsboro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5873) · FFIEC NIC profile (RSSD 406022)