First Option 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 Cash and balances due from depository institutions: 130.0% higher than in Q1 2026, at $29.7M. First Option Bank ranks 120th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 67.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Option Bank sits 13.65 points lower, at 67.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $300.1M |
| 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 | $37.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.29% |
| Net loans and leases to deposits | 66.81% |
| Loans and leases to core deposits | 79.96% |
| Core deposits to total deposits | 84.16% |
| Brokered deposits to total deposits | 1.97% |
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 | 72.06% | 88.21% | $0 | $74.0M |
| Q4 2023 | 70.77% | 86.38% | $0 | $58.0M |
| Q1 2024 | 70.62% | 86.91% | $0 | $44.3M |
| Q2 2024 | 69.51% | 87.34% | $0 | $31.0M |
| Q3 2024 | 73.65% | 86.77% | $0 | $66.7M |
| Q4 2024 | 65.41% | 90.32% | $0 | $37.5M |
| Q1 2025 | 67.85% | 85.52% | $0 | $18.0M |
| Q2 2025 | 67.43% | 80.43% | $0 | $22.5M |
| Q3 2025 | 70.56% | 85.15% | $0 | $38.5M |
| Q4 2025 | 63.44% | 83.43% | $0 | $27.5M |
| Q1 2026 | 70.92% | 86.09% | $0 | $49.2M |
| Q2 2026 | 67.29% | 84.16% | $0 | $37.5M |
First Option Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Option 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 First Option Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4746) · FFIEC NIC profile (RSSD 285852)