High Plains 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.
Cash and balances due from depository institutions climbed 231.6% in Q2 2026, from $19.2M to $63.7M. It was the largest change from Q1 2026 among the key lines here. High Plains Bank ranks 60th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 84.63% (Q2 2026). High Plains Bank reported 84.63% on loan-to-deposit ratio for Q2 2026, 3.68 points above 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 | $63.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.2M |
| 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 | $733K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.63% |
| Net loans and leases to deposits | 83.75% |
| Loans and leases to core deposits | 94.48% |
| Core deposits to total deposits | 85.96% |
| Brokered deposits to total deposits | 3.60% |
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 | 86.97% | 90.03% | $0 | $833K |
| Q4 2023 | 91.49% | 83.61% | $0 | $833K |
| Q1 2024 | 88.13% | 84.38% | $0 | $833K |
| Q2 2024 | 90.37% | 82.99% | $0 | $800K |
| Q3 2024 | 82.48% | 84.17% | $0 | $800K |
| Q4 2024 | 92.03% | 85.20% | $0 | $800K |
| Q1 2025 | 91.91% | 86.67% | $0 | $800K |
| Q2 2025 | 90.21% | 87.56% | $0 | $767K |
| Q3 2025 | 93.39% | 88.28% | $0 | $767K |
| Q4 2025 | 88.89% | 89.47% | $0 | $767K |
| Q1 2026 | 94.15% | 89.90% | $0 | $767K |
| Q2 2026 | 84.63% | 85.96% | $0 | $733K |
High Plains Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock High Plains 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 High Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 418) · FFIEC NIC profile (RSSD 881852)