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.
Loans and leases to core deposits climbed 4.94 percentage points in Q2 2026, from 115.32% to 120.26%. It was the largest change from Q1 2026 among the key lines here. Bank of Oak Ridge ranks 21st of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 92.95% (Q2 2026). Bank of Oak Ridge reported 92.95% on loan-to-deposit ratio for Q2 2026, 12.12 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 | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.3M |
| 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 | 92.95% |
| Net loans and leases to deposits | 92.02% |
| Loans and leases to core deposits | 120.26% |
| Core deposits to total deposits | 76.55% |
| Brokered deposits to total deposits | 0.74% |
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 | 89.76% | 83.73% | $0 | $1.5M |
| Q4 2023 | 88.15% | 83.00% | $0 | $1.5M |
| Q1 2024 | 90.28% | 86.79% | $0 | $1.5M |
| Q2 2024 | 89.69% | 86.37% | $0 | $1.5M |
| Q3 2024 | 95.19% | 86.67% | $0 | $0 |
| Q4 2024 | 96.20% | 87.54% | $0 | $2.5M |
| Q1 2025 | 88.58% | 87.82% | $0 | $0 |
| Q2 2025 | 96.26% | 82.05% | $0 | $0 |
| Q3 2025 | 90.80% | 78.30% | $0 | $0 |
| Q4 2025 | 95.75% | 76.32% | $0 | $4.5M |
| Q1 2026 | 88.29% | 75.76% | $0 | $0 |
| Q2 2026 | 92.95% | 76.55% | $0 | $0 |
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 21529) · FFIEC NIC profile (RSSD 687054)