Wyoming Community 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 Cash and balances due from depository institutions: 39.5% lower than in Q1 2026, at $5.0M. Within Wyoming, Wyoming Community Bank is 10th of 23 on loan-to-deposit ratio, 72.04% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wyoming Community Bank sits 8.80 points lower, at 72.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.6M |
| 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 | $1.2M |
| Other borrowed money | $3.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.04% |
| Net loans and leases to deposits | 71.06% |
| Loans and leases to core deposits | 78.06% |
| Core deposits to total deposits | 92.29% |
| 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 | 65.62% | 92.25% | $2.6M | $6.6M |
| Q4 2023 | 66.62% | 91.43% | $2.4M | $6.3M |
| Q1 2024 | 62.85% | 91.81% | $6.9M | $6.0M |
| Q2 2024 | 64.17% | 92.01% | $2.8M | $5.6M |
| Q3 2024 | 67.19% | 91.13% | $1.8M | $5.3M |
| Q4 2024 | 67.91% | 91.80% | $2.7M | $5.0M |
| Q1 2025 | 65.88% | 92.03% | $202K | $4.6M |
| Q2 2025 | 67.70% | 92.92% | $201K | $4.3M |
| Q3 2025 | 67.81% | 92.72% | $204K | $4.0M |
| Q4 2025 | 71.44% | 92.44% | $2.0M | $3.8M |
| Q1 2026 | 70.09% | 92.79% | $198K | $3.5M |
| Q2 2026 | 72.04% | 92.29% | $1.2M | $3.2M |
Wyoming Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wyoming Community 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 Wyoming Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35220) · FFIEC NIC profile (RSSD 2806840)