Cowboy 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 Brokered deposits to total deposits: 5.45 percentage points lower than in Q1 2026, at 0.86%. Within Oklahoma, Cowboy Bank is 56th of 169 on loan-to-deposit ratio, 86.43% as of Q2 2026, above the middle of the field. Cowboy Bank reported 86.43% on loan-to-deposit ratio for Q2 2026, 5.59 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 | $34.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.7M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.43% |
| Net loans and leases to deposits | 85.35% |
| Loans and leases to core deposits | 89.90% |
| Core deposits to total deposits | 95.28% |
| Brokered deposits to total deposits | 0.86% |
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 | 79.58% | 92.79% | $0 | $6.4M |
| Q4 2023 | 78.95% | 93.04% | $0 | $6.3M |
| Q1 2024 | 83.94% | 92.63% | $0 | $6.1M |
| Q2 2024 | 79.71% | 90.12% | $0 | $6.0M |
| Q3 2024 | 76.42% | 92.21% | $0 | $5.8M |
| Q4 2024 | 84.79% | 92.42% | $0 | $5.7M |
| Q1 2025 | 89.25% | 92.94% | $0 | $13.6M |
| Q2 2025 | 86.88% | 92.64% | $0 | $3.4M |
| Q3 2025 | 84.88% | 91.16% | $0 | $3.4M |
| Q4 2025 | 87.77% | 94.33% | $0 | $3.2M |
| Q1 2026 | 86.77% | 90.11% | $0 | $3.2M |
| Q2 2026 | 86.43% | 95.28% | $0 | $3.0M |
Cowboy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cowboy 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 Cowboy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11526) · FFIEC NIC profile (RSSD 883959)