Frontier State 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 Other borrowed money: 134.3% higher than in Q1 2026, at $82.0M. On loan-to-deposit ratio, Frontier State Bank ranks 6th highest among the 169 banks headquartered in Oklahoma, at 105.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Frontier State Bank sits 24.56 points higher, at 105.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.3M |
| 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 | $82.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.40% |
| Net loans and leases to deposits | 104.00% |
| Loans and leases to core deposits | 146.96% |
| Core deposits to total deposits | 71.72% |
| Brokered deposits to total deposits | 4.37% |
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 | 89.24% | 74.68% | $0 | $0 |
| Q4 2023 | 92.43% | 71.50% | $0 | $15.0M |
| Q1 2024 | 87.51% | 69.69% | $0 | $0 |
| Q2 2024 | 95.28% | 71.33% | $0 | $18.0M |
| Q3 2024 | 90.73% | 70.83% | $0 | $0 |
| Q4 2024 | 94.49% | 72.80% | $0 | $14.0M |
| Q1 2025 | 95.77% | 72.01% | $0 | $25.0M |
| Q2 2025 | 97.16% | 71.61% | $0 | $39.0M |
| Q3 2025 | 98.19% | 73.18% | $0 | $44.0M |
| Q4 2025 | 99.62% | 70.12% | $0 | $52.0M |
| Q1 2026 | 96.99% | 67.49% | $0 | $35.0M |
| Q2 2026 | 105.40% | 71.72% | $0 | $82.0M |
Frontier State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier State 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 Frontier State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21978) · FFIEC NIC profile (RSSD 632858)