Century Bank of the Ozarks: 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.
Fed funds sold and reverse repos climbed 115.4% in Q2 2026, from $6.7M to $14.5M. It was the largest change from Q1 2026 among the key lines here. Century Bank of the Ozarks ranks 50th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 94.10% (Q2 2026). Century Bank of the Ozarks reported 94.10% on loan-to-deposit ratio for Q2 2026, 13.27 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.9M |
| Fed funds sold and reverse repos | $14.5M |
| Fed funds sold and reverse repos to assets | 4.74% |
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 | 94.10% |
| Net loans and leases to deposits | 92.69% |
| Loans and leases to core deposits | 100.68% |
| Core deposits to total deposits | 93.14% |
| Brokered deposits to total deposits | 0.33% |
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 | 91.80% | 95.71% | $0 | $0 |
| Q4 2023 | 90.87% | 95.17% | $0 | $0 |
| Q1 2024 | 91.12% | 94.01% | $0 | $0 |
| Q2 2024 | 90.66% | 93.96% | $0 | $0 |
| Q3 2024 | 94.96% | 93.13% | $0 | $0 |
| Q4 2024 | 93.88% | 93.14% | $0 | $0 |
| Q1 2025 | 95.10% | 92.61% | $0 | $0 |
| Q2 2025 | 92.65% | 92.60% | $0 | $0 |
| Q3 2025 | 94.37% | 92.22% | $0 | $0 |
| Q4 2025 | 97.33% | 92.97% | $0 | $0 |
| Q1 2026 | 93.04% | 92.97% | $0 | $0 |
| Q2 2026 | 94.10% | 93.14% | $0 | $0 |
Century Bank of the Ozarks liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of the Ozarks, 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 Century Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8296) · FFIEC NIC profile (RSSD 904359)