The Bank, N.A.: 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 Loans and leases to core deposits: 8.37 percentage points higher than in Q1 2026, at 79.80%. Within Oklahoma, The Bank, N.A. is 97th of 169 on loan-to-deposit ratio, 74.78% as of Q2 2026, below the middle of the field. The Bank, N.A. reported 74.78% on loan-to-deposit ratio for Q2 2026, 6.16 points below 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 | $11.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.9M |
| 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 | 74.78% |
| Net loans and leases to deposits | 73.83% |
| Loans and leases to core deposits | 79.80% |
| Core deposits to total deposits | 93.71% |
| 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 | 60.68% | 95.89% | $13.2M | $0 |
| Q4 2023 | 59.80% | 95.90% | $0 | $0 |
| Q1 2024 | 60.56% | 95.57% | $743K | $0 |
| Q2 2024 | 60.72% | 95.12% | $0 | $0 |
| Q3 2024 | 61.37% | 94.59% | $0 | $0 |
| Q4 2024 | 58.15% | 95.12% | $0 | $0 |
| Q1 2025 | 59.19% | 94.86% | $0 | $0 |
| Q2 2025 | 63.58% | 94.44% | $0 | $0 |
| Q3 2025 | 64.79% | 93.44% | $0 | $0 |
| Q4 2025 | 64.30% | 93.75% | $0 | $0 |
| Q1 2026 | 66.99% | 93.79% | $0 | $0 |
| Q2 2026 | 74.78% | 93.71% | $0 | $0 |
The Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, N.A., 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 The Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4146) · FFIEC NIC profile (RSSD 829050)