Bank of Eastern Oregon: 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 10.22 percentage points in Q2 2026, from 74.57% to 84.79%. It was the largest change from Q1 2026 among the key lines here. Within Oregon, Bank of Eastern Oregon is 8th of 12 on loan-to-deposit ratio, 83.96% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Eastern Oregon sits 3.12 points higher, at 83.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $216.8M |
| 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 | $4.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.96% |
| Net loans and leases to deposits | 83.12% |
| Loans and leases to core deposits | 84.79% |
| Core deposits to total deposits | 99.02% |
| 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 | 68.27% | 99.32% | $0 | $0 |
| Q4 2023 | 68.04% | 99.42% | $0 | $0 |
| Q1 2024 | 70.53% | 99.38% | $0 | $0 |
| Q2 2024 | 75.58% | 99.41% | $7.3M | $0 |
| Q3 2024 | 75.95% | 99.37% | $0 | $0 |
| Q4 2024 | 76.02% | 99.33% | $0 | $0 |
| Q1 2025 | 75.54% | 99.28% | $0 | $0 |
| Q2 2025 | 80.39% | 99.26% | $3.3M | $0 |
| Q3 2025 | 76.97% | 98.69% | $0 | $0 |
| Q4 2025 | 72.89% | 98.59% | $0 | $0 |
| Q1 2026 | 73.85% | 99.03% | $0 | $0 |
| Q2 2026 | 83.96% | 99.02% | $0 | $4.7M |
Bank of Eastern Oregon liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Eastern Oregon, 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 Eastern Oregon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16243) · FFIEC NIC profile (RSSD 14865)