Latimer State 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.
Core deposits to total deposits dropped 0.91 percentage points in Q2 2026, from 68.72% to 67.81%. It was the largest change from Q1 2026 among the key lines here. Latimer State Bank has the 4th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 26.11% as of Q2 2026. Latimer State Bank's loan-to-deposit ratio of 26.11% is well below the 67.32% median for banks in the < $100M asset tier, a gap of 41.21 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.4M |
| Fed funds sold and reverse repos | $22.5M |
| Fed funds sold and reverse repos to assets | 34.39% |
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 | 26.11% |
| Net loans and leases to deposits | 25.67% |
| Loans and leases to core deposits | 38.51% |
| Core deposits to total deposits | 67.81% |
| 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 | 21.84% | 71.83% | $0 | $0 |
| Q4 2023 | 22.74% | 72.20% | $0 | $0 |
| Q1 2024 | 22.25% | 72.72% | $0 | $0 |
| Q2 2024 | 22.93% | 72.02% | $0 | $0 |
| Q3 2024 | 24.60% | 70.74% | $0 | $0 |
| Q4 2024 | 25.48% | 71.58% | $0 | $0 |
| Q1 2025 | 24.64% | 70.86% | $0 | $0 |
| Q2 2025 | 26.01% | 69.99% | $0 | $0 |
| Q3 2025 | 25.94% | 68.76% | $0 | $0 |
| Q4 2025 | 26.79% | 68.22% | $0 | $0 |
| Q1 2026 | 25.85% | 68.72% | $0 | $0 |
| Q2 2026 | 26.11% | 67.81% | $0 | $0 |
Latimer State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Latimer State 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 Latimer State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22839) · FFIEC NIC profile (RSSD 51356)