Bank of Commerce: 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 4.31 percentage points in Q2 2026, from 78.76% to 83.07%. It was the largest change from Q1 2026 among the key lines here. Bank of Commerce ranks 87th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 77.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Commerce sits 3.28 points lower, at 77.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.5M |
| 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 | 77.66% |
| Net loans and leases to deposits | 76.50% |
| Loans and leases to core deposits | 83.07% |
| Core deposits to total deposits | 93.49% |
| 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 | 77.32% | 95.71% | $0 | $0 |
| Q4 2023 | 76.75% | 95.03% | $0 | $0 |
| Q1 2024 | 68.60% | 93.36% | $0 | $0 |
| Q2 2024 | 68.17% | 93.61% | $0 | $0 |
| Q3 2024 | 72.30% | 92.22% | $0 | $0 |
| Q4 2024 | 75.91% | 92.65% | $0 | $0 |
| Q1 2025 | 76.53% | 94.55% | $0 | $0 |
| Q2 2025 | 78.69% | 96.35% | $0 | $0 |
| Q3 2025 | 81.20% | 96.68% | $0 | $0 |
| Q4 2025 | 84.33% | 96.62% | $0 | $0 |
| Q1 2026 | 74.23% | 94.25% | $0 | $0 |
| Q2 2026 | 77.66% | 93.49% | $0 | $0 |
Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13274) · FFIEC NIC profile (RSSD 152057)