BANK7: 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 Q2 2026 was in Loans and leases to core deposits: 2.98 percentage points higher than in Q1 2026, at 104.18%. BANK7 ranks 21st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 97.84% (Q2 2026). BANK7 reported 97.84% on loan-to-deposit ratio for Q2 2026, 9.64 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $222.1M |
| Cash and noninterest-bearing balances to assets | 11.61% |
| Cash and securities | $273.7M |
| 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 | 97.84% |
| Net loans and leases to deposits | 96.65% |
| Loans and leases to core deposits | 104.18% |
| Core deposits to total deposits | 70.94% |
| Brokered deposits to total deposits | 22.98% |
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 | 87.47% | 72.05% | $0 | $0 |
| Q4 2023 | 85.56% | 77.34% | $0 | $0 |
| Q1 2024 | 86.94% | 76.28% | $0 | $0 |
| Q2 2024 | 91.27% | 73.23% | $0 | $0 |
| Q3 2024 | 94.31% | 72.04% | $0 | $0 |
| Q4 2024 | 92.21% | 71.79% | $0 | $0 |
| Q1 2025 | 91.91% | 72.09% | $0 | $0 |
| Q2 2025 | 94.09% | 70.82% | $0 | $0 |
| Q3 2025 | 93.84% | 70.30% | $0 | $0 |
| Q4 2025 | 94.57% | 68.51% | $0 | $0 |
| Q1 2026 | 95.59% | 69.17% | $0 | $0 |
| Q2 2026 | 97.84% | 70.94% | $0 | $0 |
BANK7 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK7, 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 BANK7 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4147) · FFIEC NIC profile (RSSD 18854)