All Capital 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 Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Within Oklahoma, All Capital Bank is 38th of 169 on loan-to-deposit ratio, 93.17% as of Q2 2026, above the middle of the field. All Capital Bank reported 93.17% on loan-to-deposit ratio for Q2 2026, 12.23 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.7M |
| Fed funds sold and reverse repos | $9.0M |
| Fed funds sold and reverse repos to assets | 5.14% |
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 | 93.17% |
| Net loans and leases to deposits | 91.84% |
| Loans and leases to core deposits | 99.26% |
| Core deposits to total deposits | 88.91% |
| Brokered deposits to total deposits | 4.96% |
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 | 84.82% | 93.64% | $0 | $0 |
| Q4 2023 | 87.04% | 96.15% | $0 | $0 |
| Q1 2024 | 86.00% | 90.14% | $0 | $0 |
| Q2 2024 | 92.53% | 97.30% | $0 | $0 |
| Q3 2024 | 89.91% | 93.35% | $0 | $0 |
| Q4 2024 | 89.77% | 87.55% | $0 | $0 |
| Q1 2025 | 92.30% | 84.54% | $0 | $0 |
| Q2 2025 | 91.64% | 86.40% | $0 | $0 |
| Q3 2025 | 92.69% | 86.09% | $0 | $0 |
| Q4 2025 | 89.75% | 81.93% | $0 | $0 |
| Q1 2026 | 95.47% | 88.88% | $8.5M | $0 |
| Q2 2026 | 93.17% | 88.91% | $0 | $0 |
All Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock All Capital 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 All Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16795) · FFIEC NIC profile (RSSD 14650)