The Idabel National 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 Fed funds sold and reverse repos: 70.3% lower than in Q1 2026, at $3.1M. The Idabel National Bank ranks 89th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 77.51% (Q2 2026). The Idabel National Bank reported 77.51% on loan-to-deposit ratio for Q2 2026, 3.33 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.0M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 1.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.51% |
| Net loans and leases to deposits | 74.79% |
| Loans and leases to core deposits | 121.04% |
| Core deposits to total deposits | 63.61% |
| Brokered deposits to total deposits | 21.00% |
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 | 90.45% | 67.89% | $0 | $12.0M |
| Q4 2023 | 88.52% | 67.57% | $0 | $8.5M |
| Q1 2024 | 88.71% | 67.99% | $0 | $6.0M |
| Q2 2024 | 89.80% | 66.49% | $650K | $6.0M |
| Q3 2024 | 88.30% | 66.10% | $0 | $6.0M |
| Q4 2024 | 89.92% | 67.54% | $4.5M | $6.0M |
| Q1 2025 | 88.63% | 66.12% | $1.8M | $5.0M |
| Q2 2025 | 86.49% | 62.78% | $0 | $3.0M |
| Q3 2025 | 85.52% | 61.93% | $0 | $3.0M |
| Q4 2025 | 80.60% | 61.82% | $0 | $3.0M |
| Q1 2026 | 79.14% | 67.23% | $0 | $2.0M |
| Q2 2026 | 77.51% | 63.61% | $0 | $1.0M |
The Idabel National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Idabel National 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 The Idabel National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4241) · FFIEC NIC profile (RSSD 237954)