Lakeside Bank of Salina: 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.
Loans and leases to core deposits climbed 7.92 percentage points in Q2 2026, from 85.73% to 93.66%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Lakeside Bank of Salina is 55th of 169 on loan-to-deposit ratio, 86.67% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Lakeside Bank of Salina sits 18.75 points higher, at 86.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.8M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 2.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.67% |
| Net loans and leases to deposits | 84.25% |
| Loans and leases to core deposits | 93.66% |
| Core deposits to total deposits | 92.54% |
| Brokered deposits to total deposits | 0.00% |
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 | 85.70% | 93.26% | $0 | $0 |
| Q4 2023 | 83.67% | 93.71% | $0 | $0 |
| Q1 2024 | 81.97% | 94.91% | $0 | $0 |
| Q2 2024 | 79.35% | 94.91% | $0 | $0 |
| Q3 2024 | 83.90% | 95.25% | $0 | $0 |
| Q4 2024 | 83.39% | 93.94% | $0 | $0 |
| Q1 2025 | 87.75% | 93.71% | $0 | $0 |
| Q2 2025 | 83.51% | 93.59% | $0 | $0 |
| Q3 2025 | 83.56% | 93.36% | $0 | $0 |
| Q4 2025 | 84.70% | 92.76% | $0 | $0 |
| Q1 2026 | 79.42% | 92.63% | $0 | $0 |
| Q2 2026 | 86.67% | 92.54% | $0 | $0 |
Lakeside Bank of Salina liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside Bank of Salina, 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 Lakeside Bank of Salina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21255) · FFIEC NIC profile (RSSD 391557)