Bank OZK: 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 dropped 100.0% in Q2 2026, from $200.0M to $0. It was the largest change from Q1 2026 among the key lines here. Bank OZK ranks 18th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 95.78% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Bank OZK sits 8.94 points higher, at 95.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.55B |
| Cash and noninterest-bearing balances to assets | 3.73% |
| Cash and securities | $5.79B |
| 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 | $734K |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $463.2M |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.78% |
| Net loans and leases to deposits | 94.42% |
| Loans and leases to core deposits | 114.96% |
| Core deposits to total deposits | 75.91% |
| Brokered deposits to total deposits | 7.40% |
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 | 99.13% | 76.99% | $130.2M | $1.30B |
| Q4 2023 | 96.55% | 75.83% | $5.3M | $800.0M |
| Q1 2024 | 95.33% | 75.72% | $202.0M | $0 |
| Q2 2024 | 95.76% | 74.94% | $200.9M | $200.0M |
| Q3 2024 | 95.57% | 75.51% | $151.0M | $0 |
| Q4 2024 | 96.54% | 75.94% | $120.8M | $300.0M |
| Q1 2025 | 97.44% | 75.40% | $300.6M | $0 |
| Q2 2025 | 98.46% | 74.81% | $589K | $800.0M |
| Q3 2025 | 96.65% | 75.09% | $554K | $300.0M |
| Q4 2025 | 96.80% | 75.51% | $537K | $0 |
| Q1 2026 | 97.66% | 76.29% | $150.6M | $200.0M |
| Q2 2026 | 95.78% | 75.91% | $734K | $0 |
Bank OZK liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank OZK, 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 OZK profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 110) · FFIEC NIC profile (RSSD 107244)