Interbank: 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 Brokered deposits to total deposits: 3.89 percentage points lower than in Q1 2026, at 5.44%. Among 169 Oklahoma banks, Interbank sits 8th from the top on loan-to-deposit ratio, 104.01% as of Q2 2026. Interbank reported 104.01% on loan-to-deposit ratio for Q2 2026, 15.81 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $410.6M |
| Cash and noninterest-bearing balances to assets | 7.70% |
| Cash and securities | $410.6M |
| 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 | $85.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.01% |
| Net loans and leases to deposits | 103.22% |
| Loans and leases to core deposits | 105.71% |
| Core deposits to total deposits | 92.95% |
| Brokered deposits to total deposits | 5.44% |
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 | 99.18% | 97.86% | $0 | $0 |
| Q4 2023 | 94.40% | 98.03% | $0 | $0 |
| Q1 2024 | 96.23% | 98.10% | $0 | $0 |
| Q2 2024 | 99.53% | 98.05% | $0 | $0 |
| Q3 2024 | 98.16% | 98.05% | $0 | $0 |
| Q4 2024 | 98.65% | 98.09% | $0 | $0 |
| Q1 2025 | 101.77% | 98.22% | $0 | $0 |
| Q2 2025 | 101.39% | 94.67% | $0 | $52.3M |
| Q3 2025 | 100.80% | 91.21% | $0 | $0 |
| Q4 2025 | 98.10% | 86.41% | $0 | $0 |
| Q1 2026 | 100.74% | 89.07% | $0 | $0 |
| Q2 2026 | 104.01% | 92.95% | $0 | $85.0M |
Interbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Interbank, 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 Interbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27210) · FFIEC NIC profile (RSSD 1187001)