Worthington Federal Savings Bank, F.S.B.: 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.
Other borrowed money dropped 59.0% in Q2 2026, from $3.0M to $1.2M. It was the largest change from Q1 2026 among the key lines here. Worthington Federal Savings Bank, F.S.B. ranks 121st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 78.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Worthington Federal Savings Bank, F.S.B. sits 2.43 points lower, at 78.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.6M |
| Fed funds sold and reverse repos | $13.5M |
| Fed funds sold and reverse repos to assets | 9.95% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.41% |
| Net loans and leases to deposits | 77.94% |
| Loans and leases to core deposits | 84.90% |
| Core deposits to total deposits | 92.36% |
| 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 | 83.09% | 96.20% | $0 | $5.2M |
| Q4 2023 | 81.75% | 96.31% | $0 | $5.2M |
| Q1 2024 | 80.50% | 95.73% | $0 | $5.2M |
| Q2 2024 | 82.80% | 95.67% | $0 | $5.2M |
| Q3 2024 | 84.35% | 95.26% | $0 | $5.2M |
| Q4 2024 | 85.31% | 94.89% | $0 | $5.2M |
| Q1 2025 | 82.97% | 95.71% | $0 | $5.2M |
| Q2 2025 | 84.92% | 95.74% | $0 | $4.5M |
| Q3 2025 | 82.81% | 94.27% | $0 | $4.5M |
| Q4 2025 | 82.40% | 93.45% | $0 | $4.5M |
| Q1 2026 | 79.80% | 92.48% | $0 | $3.0M |
| Q2 2026 | 78.41% | 92.36% | $0 | $1.2M |
Worthington Federal Savings Bank, F.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington Federal Savings Bank, F.S.B., 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 Federal Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29426) · FFIEC NIC profile (RSSD 258874)