Bank of Oak Ridge: 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 climbed 169.0% in Q2 2026, from $21.0M to $56.5M. It was the largest change from Q1 2026 among the key lines here. Among 38 North Carolina banks, Bank of Oak Ridge sits 3rd from the top on loan-to-deposit ratio, 102.44% as of Q2 2026. Bank of Oak Ridge reported 102.44% on loan-to-deposit ratio for Q2 2026, 21.61 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | 1.95% |
| Cash and securities | $112.3M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $56.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.44% |
| Net loans and leases to deposits | 101.13% |
| Loans and leases to core deposits | 106.33% |
| Core deposits to total deposits | 92.86% |
| Brokered deposits to total deposits | 3.48% |
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 | 93.65% | 90.43% | $0 | $50.0M |
| Q4 2023 | 93.23% | 89.62% | $0 | $40.0M |
| Q1 2024 | 94.63% | 88.74% | $0 | $46.0M |
| Q2 2024 | 95.75% | 89.39% | $0 | $52.0M |
| Q3 2024 | 97.57% | 89.21% | $0 | $52.0M |
| Q4 2024 | 95.16% | 90.26% | $0 | $41.7M |
| Q1 2025 | 95.73% | 90.24% | $0 | $41.5M |
| Q2 2025 | 97.18% | 88.03% | $991K | $38.0M |
| Q3 2025 | 96.29% | 88.94% | $0 | $46.0M |
| Q4 2025 | 95.73% | 89.08% | $0 | $31.0M |
| Q1 2026 | 94.13% | 90.07% | $0 | $21.0M |
| Q2 2026 | 102.44% | 92.86% | $0 | $56.5M |
Bank of Oak Ridge liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Oak Ridge, 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 Oak Ridge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35365) · FFIEC NIC profile (RSSD 2903123)