Bank of Odessa: 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.
Fed funds sold and reverse repos climbed 195.1% in Q2 2026, from $2.9M to $8.6M. It was the largest change from Q1 2026 among the key lines here. Bank of Odessa ranks 113th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Odessa reported 80.39% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $106.1M |
| Cash and noninterest-bearing balances to assets | 14.62% |
| Cash and securities | $202.8M |
| Fed funds sold and reverse repos | $8.6M |
| Fed funds sold and reverse repos to assets | 1.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.39% |
| Net loans and leases to deposits | 79.33% |
| Loans and leases to core deposits | 93.45% |
| Core deposits to total deposits | 86.02% |
| 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 | 94.87% | 92.51% | $0 | $20.0M |
| Q4 2023 | 96.67% | 89.55% | $0 | $25.0M |
| Q1 2024 | 94.79% | 89.27% | $0 | $30.0M |
| Q2 2024 | 94.97% | 90.92% | $0 | $30.0M |
| Q3 2024 | 94.71% | 88.40% | $0 | $30.0M |
| Q4 2024 | 91.68% | 88.37% | $0 | $30.0M |
| Q1 2025 | 85.47% | 87.59% | $0 | $30.0M |
| Q2 2025 | 85.36% | 87.25% | $0 | $20.0M |
| Q3 2025 | 83.99% | 87.14% | $0 | $10.0M |
| Q4 2025 | 84.94% | 86.52% | $0 | $10.0M |
| Q1 2026 | 79.27% | 86.38% | $0 | $5.0M |
| Q2 2026 | 80.39% | 86.02% | $0 | $5.0M |
Bank of Odessa liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Odessa, 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 Odessa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9803) · FFIEC NIC profile (RSSD 819453)