The Commercial Bank of Ozark: 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: 2.90 percentage points higher than in Q1 2026, at 56.71%. The Commercial Bank of Ozark ranks 75th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 51.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Commercial Bank of Ozark sits 29.83 points lower, at 51.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.5M |
| 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 | $750K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.00% |
| Net loans and leases to deposits | 50.48% |
| Loans and leases to core deposits | 56.71% |
| Core deposits to total deposits | 89.95% |
| Brokered deposits to total deposits | 0.00% |
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 | 55.46% | 91.45% | $0 | $2.0M |
| Q4 2023 | 54.23% | 90.65% | $0 | $2.0M |
| Q1 2024 | 53.63% | 90.51% | $0 | $3.0M |
| Q2 2024 | 53.07% | 89.53% | $0 | $3.0M |
| Q3 2024 | 52.09% | 90.12% | $0 | $2.5M |
| Q4 2024 | 48.66% | 91.25% | $0 | $2.5M |
| Q1 2025 | 48.47% | 90.20% | $0 | $1.5M |
| Q2 2025 | 47.50% | 89.11% | $0 | $1.5M |
| Q3 2025 | 48.02% | 89.33% | $0 | $500K |
| Q4 2025 | 47.49% | 90.29% | $0 | $500K |
| Q1 2026 | 48.55% | 90.24% | $0 | $250K |
| Q2 2026 | 51.00% | 89.95% | $0 | $750K |
The Commercial Bank of Ozark liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Ozark, 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 Commercial Bank of Ozark profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17975) · FFIEC NIC profile (RSSD 522034)