Woodsfield Savings 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 Loan-to-deposit ratio: 1.24 percentage points higher than in Q1 2026, at 79.34%. Within Ohio, Woodsfield Savings Bank is 89th of 156 on loan-to-deposit ratio, 79.34% as of Q2 2026, below the middle of the field. At 79.34%, Woodsfield Savings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.2M |
| 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 | 79.34% |
| Net loans and leases to deposits | 78.52% |
| Loans and leases to core deposits | 82.81% |
| Core deposits to total deposits | 95.82% |
| 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 | 74.50% | 94.99% | $0 | $0 |
| Q4 2023 | 74.65% | 95.05% | $0 | $0 |
| Q1 2024 | 70.61% | 95.36% | $0 | $0 |
| Q2 2024 | 74.41% | 94.50% | $0 | $0 |
| Q3 2024 | 78.46% | 93.98% | $0 | $2.0M |
| Q4 2024 | 78.68% | 94.22% | $0 | $0 |
| Q1 2025 | 76.04% | 95.22% | $0 | $0 |
| Q2 2025 | 77.70% | 94.44% | $0 | $0 |
| Q3 2025 | 80.67% | 95.21% | $0 | $0 |
| Q4 2025 | 81.46% | 96.03% | $0 | $0 |
| Q1 2026 | 78.10% | 95.62% | $0 | $0 |
| Q2 2026 | 79.34% | 95.82% | $0 | $0 |
Woodsfield Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsfield Savings 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 Woodsfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32292) · FFIEC NIC profile (RSSD 97279)