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.
Other borrowed money dropped 28.6% in Q2 2026, from $3.4M to $2.4M. It was the largest change from Q1 2026 among the key lines here. Bank of Commerce ranks 91st of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 76.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Commerce sits 4.31 points lower, at 76.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $81.2M |
| 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 | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.64% |
| Net loans and leases to deposits | 75.72% |
| Loans and leases to core deposits | 93.45% |
| Core deposits to total deposits | 82.01% |
| 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 | 85.62% | 82.47% | $2.9M | $1.0M |
| Q4 2023 | 92.83% | 84.85% | $2.9M | $16.0M |
| Q1 2024 | 84.70% | 79.50% | $2.9M | $1.0M |
| Q2 2024 | 88.62% | 80.44% | $2.9M | $9.3M |
| Q3 2024 | 86.28% | 78.41% | $2.9M | $15.9M |
| Q4 2024 | 87.40% | 78.95% | $2.9M | $0 |
| Q1 2025 | 86.47% | 78.22% | $2.9M | $15.3M |
| Q2 2025 | 86.66% | 78.83% | $850K | $12.3M |
| Q3 2025 | 83.47% | 78.88% | $2.9M | $9.6M |
| Q4 2025 | 79.86% | 79.62% | $0 | $8.5M |
| Q1 2026 | 76.24% | 81.44% | $0 | $3.4M |
| Q2 2026 | 76.64% | 82.01% | $0 | $2.4M |
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 57491) · FFIEC NIC profile (RSSD 3134698)