Community Bank of Oklahoma: 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 to assets dropped 18.45 percentage points in Q2 2026, from 25.15% to 6.69%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Community Bank of Oklahoma is 129th of 169 on loan-to-deposit ratio, 62.78% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Community Bank of Oklahoma sits 5.14 points lower, at 62.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.0M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 6.69% |
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 | 62.78% |
| Net loans and leases to deposits | 62.09% |
| Loans and leases to core deposits | 68.49% |
| Core deposits to total deposits | 91.66% |
| 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 | 50.60% | 97.41% | $0 | $0 |
| Q4 2023 | 55.49% | 96.52% | $0 | $0 |
| Q1 2024 | 55.41% | 96.57% | $0 | $0 |
| Q2 2024 | 58.05% | 96.96% | $0 | $0 |
| Q3 2024 | 61.05% | 95.93% | $0 | $0 |
| Q4 2024 | 68.42% | 95.43% | $0 | $0 |
| Q1 2025 | 52.76% | 96.39% | $0 | $0 |
| Q2 2025 | 61.67% | 93.34% | $0 | $0 |
| Q3 2025 | 66.54% | 92.63% | $0 | $0 |
| Q4 2025 | 74.60% | 91.77% | $0 | $0 |
| Q1 2026 | 61.01% | 92.92% | $0 | $0 |
| Q2 2026 | 62.78% | 91.66% | $0 | $0 |
Community Bank of Oklahoma liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oklahoma, 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 Community Bank of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4217) · FFIEC NIC profile (RSSD 412452)