Frazer 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 Loans and leases to core deposits: 2.52 percentage points higher than in Q1 2026, at 64.18%. Within Oklahoma, Frazer Bank is 134th of 169 on loan-to-deposit ratio, 61.88% as of Q2 2026, below the middle of the field. Frazer Bank reported 61.88% on loan-to-deposit ratio for Q2 2026, 19.06 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $140.8M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 1.42% |
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 | 61.88% |
| Net loans and leases to deposits | 60.94% |
| Loans and leases to core deposits | 64.18% |
| Core deposits to total deposits | 70.68% |
| Brokered deposits to total deposits | 25.74% |
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 | 88.90% | 74.09% | $0 | $43.5M |
| Q4 2023 | 75.40% | 49.96% | $0 | $4.0M |
| Q1 2024 | 77.09% | 49.88% | $0 | $4.0M |
| Q2 2024 | 79.70% | 49.78% | $0 | $0 |
| Q3 2024 | 80.99% | 49.98% | $0 | $0 |
| Q4 2024 | 69.45% | 54.67% | $0 | $0 |
| Q1 2025 | 72.62% | 56.22% | $0 | $0 |
| Q2 2025 | 70.64% | 50.55% | $0 | $0 |
| Q3 2025 | 70.23% | 53.49% | $0 | $0 |
| Q4 2025 | 64.26% | 72.64% | $0 | $0 |
| Q1 2026 | 59.60% | 70.47% | $0 | $0 |
| Q2 2026 | 61.88% | 70.68% | $0 | $0 |
Frazer Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Frazer 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 Frazer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4031) · FFIEC NIC profile (RSSD 245351)