Kirkpatrick 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 Brokered deposits to total deposits: 4.06 percentage points higher than in Q1 2026, at 10.06%. Kirkpatrick Bank ranks 83rd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 79.37% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Kirkpatrick Bank sits 8.83 points lower, at 79.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $292.8M |
| Fed funds sold and reverse repos | $78K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.85% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.37% |
| Net loans and leases to deposits | 77.53% |
| Loans and leases to core deposits | 85.00% |
| Core deposits to total deposits | 83.32% |
| Brokered deposits to total deposits | 10.06% |
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 | 73.79% | 96.94% | $14.0M | $24.3M |
| Q4 2023 | 80.83% | 87.12% | $16.4M | $24.3M |
| Q1 2024 | 76.51% | 85.07% | $0 | $24.3M |
| Q2 2024 | 79.44% | 85.87% | $68K | $31.0M |
| Q3 2024 | 87.99% | 91.59% | $26K | $100.3M |
| Q4 2024 | 87.69% | 92.79% | $0 | $79.1M |
| Q1 2025 | 81.12% | 89.09% | $0 | $14.3M |
| Q2 2025 | 84.28% | 92.67% | $55K | $45.5M |
| Q3 2025 | 78.63% | 85.61% | $0 | $8.5M |
| Q4 2025 | 83.34% | 89.23% | $0 | $8.5M |
| Q1 2026 | 79.15% | 86.45% | $0 | $8.5M |
| Q2 2026 | 79.37% | 83.32% | $0 | $8.5M |
Kirkpatrick Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkpatrick 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 Kirkpatrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20156) · FFIEC NIC profile (RSSD 67151)