The Bank of the West: 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 dropped 11.17 percentage points in Q2 2026, from 98.49% to 87.32%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Bank of the West is 86th of 169 on loan-to-deposit ratio, 78.83% as of Q2 2026, below the middle of the field. At 78.83%, The Bank of the West's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.8M |
| Fed funds sold and reverse repos | $20.5M |
| Fed funds sold and reverse repos to assets | 10.65% |
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 | 78.83% |
| Net loans and leases to deposits | 77.46% |
| Loans and leases to core deposits | 87.32% |
| Core deposits to total deposits | 89.99% |
| Brokered deposits to total deposits | 0.29% |
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 | 95.76% | 91.57% | $0 | $0 |
| Q4 2023 | 103.35% | 91.52% | $0 | $2.0M |
| Q1 2024 | 98.99% | 91.23% | $0 | $0 |
| Q2 2024 | 93.70% | 90.50% | $0 | $0 |
| Q3 2024 | 100.51% | 89.50% | $0 | $0 |
| Q4 2024 | 101.37% | 89.56% | $0 | $3.0M |
| Q1 2025 | 93.20% | 90.55% | $0 | $0 |
| Q2 2025 | 86.33% | 90.11% | $0 | $0 |
| Q3 2025 | 93.80% | 89.94% | $0 | $0 |
| Q4 2025 | 102.64% | 89.98% | $0 | $0 |
| Q1 2026 | 89.24% | 90.30% | $0 | $0 |
| Q2 2026 | 78.83% | 89.99% | $0 | $0 |
The Bank of the West liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of the West, 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 The Bank of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25703) · FFIEC NIC profile (RSSD 401755)