Bank of Eufaula: 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.
Cash and balances due from depository institutions climbed 103.5% in Q2 2026, from $3.4M to $7.0M. It was the largest change from Q1 2026 among the key lines here. Bank of Eufaula has the 5th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 30.19% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, Bank of Eufaula reported 30.19% on loan-to-deposit ratio in Q2 2026, 37.74 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.8M |
| Fed funds sold and reverse repos | $3.7M |
| Fed funds sold and reverse repos to assets | 4.20% |
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 | 30.19% |
| Net loans and leases to deposits | 29.53% |
| Loans and leases to core deposits | 33.48% |
| Core deposits to total deposits | 90.16% |
| 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 | 35.23% | 87.17% | $0 | $0 |
| Q4 2023 | 32.54% | 85.81% | $0 | $0 |
| Q1 2024 | 32.66% | 86.09% | $0 | $0 |
| Q2 2024 | 32.17% | 87.05% | $0 | $0 |
| Q3 2024 | 31.33% | 89.47% | $0 | $0 |
| Q4 2024 | 28.43% | 91.44% | $0 | $0 |
| Q1 2025 | 28.71% | 90.61% | $0 | $0 |
| Q2 2025 | 27.45% | 91.38% | $0 | $0 |
| Q3 2025 | 28.94% | 87.40% | $0 | $0 |
| Q4 2025 | 28.14% | 91.38% | $0 | $0 |
| Q1 2026 | 30.47% | 89.26% | $0 | $0 |
| Q2 2026 | 30.19% | 90.16% | $0 | $0 |
Bank of Eufaula liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Eufaula, 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 Eufaula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4094) · FFIEC NIC profile (RSSD 343051)