Bank of Western Oklahoma: 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.
The standout move of Q3 2026 was in Cash and noninterest-bearing balances to assets: 4.19 percentage points lower than in Q2 2026, at 9.31%. Within Oklahoma, Bank of Western Oklahoma is 52nd of 169 on loan-to-deposit ratio, 87.97% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Western Oklahoma sits 7.13 points higher, at 87.97% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.4M |
| Cash and noninterest-bearing balances to assets | 9.31% |
| Cash and securities | $74.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 87.97% |
| Net loans and leases to deposits | 87.25% |
| Loans and leases to core deposits | 111.50% |
| Core deposits to total deposits | 74.13% |
| Brokered deposits to total deposits | 4.76% |
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 |
|---|---|---|---|---|
| Q4 2023 | 87.49% | 89.47% | $0 | $0 |
| Q1 2024 | 89.39% | 87.88% | $0 | $0 |
| Q2 2024 | 88.62% | 87.23% | $0 | $0 |
| Q3 2024 | 91.98% | 85.98% | $0 | $0 |
| Q4 2024 | 86.18% | 80.62% | $0 | $0 |
| Q1 2025 | 91.00% | 75.57% | $0 | $0 |
| Q2 2025 | 93.35% | 70.89% | $0 | $0 |
| Q3 2025 | 95.32% | 71.16% | $0 | $0 |
| Q4 2025 | 90.01% | 72.93% | $0 | $0 |
| Q1 2026 | 88.59% | 77.27% | $0 | $0 |
| Q2 2026 | 87.55% | 74.77% | $0 | $0 |
| Q3 2026 | 87.97% | 74.13% | $0 | $0 |
Bank of Western Oklahoma liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Western Oklahoma, 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 Western Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4087) · FFIEC NIC profile (RSSD 175056)