Worthington 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.
Loans and leases to core deposits climbed 1.17 percentage points in Q2 2026, from 97.72% to 98.90%. It was the largest change from Q1 2026 among the key lines here. Worthington Bank ranks 102nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Worthington Bank sits 3.37 points higher, at 84.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $145.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $146.2M |
| 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 | 84.21% |
| Net loans and leases to deposits | 83.32% |
| Loans and leases to core deposits | 98.90% |
| Core deposits to total deposits | 85.15% |
| 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 | 78.46% | 88.40% | $0 | $2.5M |
| Q4 2023 | 83.83% | 87.33% | $0 | $20.8M |
| Q1 2024 | 83.55% | 87.06% | $0 | $24.7M |
| Q2 2024 | 85.55% | 87.07% | $0 | $18.2M |
| Q3 2024 | 81.87% | 86.25% | $0 | $1.6M |
| Q4 2024 | 81.19% | 82.00% | $0 | $0 |
| Q1 2025 | 79.64% | 83.35% | $0 | $0 |
| Q2 2025 | 90.49% | 87.03% | $0 | $0 |
| Q3 2025 | 87.83% | 87.11% | $0 | $0 |
| Q4 2025 | 88.89% | 87.45% | $0 | $0 |
| Q1 2026 | 83.84% | 85.79% | $0 | $0 |
| Q2 2026 | 84.21% | 85.15% | $0 | $0 |
Worthington Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington 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 Worthington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57414) · FFIEC NIC profile (RSSD 3150205)