The Bankers Bank: 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 Fed funds purchased and repos: 125.3% higher than in Q1 2026, at $21.7M. On loan-to-deposit ratio, The Bankers Bank ranks 15th highest among the 169 banks headquartered in Oklahoma, at 100.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bankers Bank sits 20.14 points higher, at 100.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.5M |
| Fed funds sold and reverse repos | $12.8M |
| Fed funds sold and reverse repos to assets | 4.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $21.7M |
| 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 | 100.98% |
| Net loans and leases to deposits | 99.38% |
| Loans and leases to core deposits | 101.08% |
| Core deposits to total deposits | 76.84% |
| Brokered deposits to total deposits | 23.06% |
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 | 103.17% | 62.39% | $13.6M | $7.2M |
| Q4 2023 | 97.87% | 64.31% | $808K | $7.2M |
| Q1 2024 | 84.58% | 68.69% | $0 | $0 |
| Q2 2024 | 85.34% | 68.49% | $0 | $0 |
| Q3 2024 | 88.10% | 71.09% | $0 | $0 |
| Q4 2024 | 88.67% | 74.24% | $0 | $0 |
| Q1 2025 | 96.18% | 70.96% | $4.4M | $0 |
| Q2 2025 | 106.41% | 79.40% | $24.8M | $0 |
| Q3 2025 | 110.96% | 70.10% | $34.4M | $0 |
| Q4 2025 | 121.31% | 70.94% | $65.6M | $0 |
| Q1 2026 | 101.65% | 71.99% | $9.6M | $0 |
| Q2 2026 | 100.98% | 76.84% | $21.7M | $0 |
The Bankers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bankers Bank, 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 Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26677) · FFIEC NIC profile (RSSD 859655)