Exchange Bank and Trust Company: 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.
Cash and balances due from depository institutions dropped 52.5% in Q2 2026, from $23.1M to $11.0M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Exchange Bank and Trust Company is 64th of 169 on loan-to-deposit ratio, 83.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Exchange Bank and Trust Company sits 2.80 points higher, at 83.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.0M |
| Cash and noninterest-bearing balances to assets | 2.56% |
| Cash and securities | $87.1M |
| 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 | 0.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.75% |
| Net loans and leases to deposits | 82.65% |
| Loans and leases to core deposits | 93.86% |
| Core deposits to total deposits | 86.04% |
| Brokered deposits to total deposits | 7.46% |
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 | 78.01% | 84.77% | $0 | $6.0M |
| Q4 2023 | 79.13% | 86.13% | $0 | $10.0M |
| Q1 2024 | 78.66% | 84.30% | $0 | $5.0M |
| Q2 2024 | 80.77% | 83.85% | $0 | $9.0M |
| Q3 2024 | 80.72% | 81.78% | $0 | $7.5M |
| Q4 2024 | 79.53% | 82.97% | $0 | $5.0M |
| Q1 2025 | 79.39% | 84.32% | $0 | $6.0M |
| Q2 2025 | 79.83% | 85.20% | $0 | $6.0M |
| Q3 2025 | 81.93% | 84.95% | $0 | $6.0M |
| Q4 2025 | 84.20% | 84.29% | $0 | $6.0M |
| Q1 2026 | 81.32% | 84.80% | $0 | $3.0M |
| Q2 2026 | 83.75% | 86.04% | $0 | $3.0M |
Exchange Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank and Trust Company, 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 Exchange Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13366) · FFIEC NIC profile (RSSD 456755)