Legacy 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.
Loans and leases to core deposits climbed 2.94 percentage points in Q2 2026, from 66.93% to 69.87%. It was the largest change from Q1 2026 among the key lines here. Legacy Bank ranks 118th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 67.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Legacy Bank sits 13.61 points lower, at 67.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.1M |
| Cash and noninterest-bearing balances to assets | 5.55% |
| Cash and securities | $246.3M |
| 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 | $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 | 67.33% |
| Net loans and leases to deposits | 66.26% |
| Loans and leases to core deposits | 69.87% |
| Core deposits to total deposits | 96.37% |
| 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 | 66.71% | 98.27% | $0 | $3.9M |
| Q4 2023 | 66.29% | 98.28% | $0 | $3.7M |
| Q1 2024 | 67.28% | 98.20% | $0 | $2.0M |
| Q2 2024 | 67.43% | 97.66% | $0 | $1.0M |
| Q3 2024 | 69.37% | 97.47% | $0 | $910K |
| Q4 2024 | 67.70% | 97.47% | $0 | $862K |
| Q1 2025 | 65.37% | 97.05% | $0 | $748K |
| Q2 2025 | 64.69% | 97.01% | $0 | $665K |
| Q3 2025 | 67.55% | 96.90% | $0 | $588K |
| Q4 2025 | 66.24% | 97.21% | $0 | $520K |
| Q1 2026 | 64.92% | 96.99% | $0 | $3K |
| Q2 2026 | 67.33% | 96.37% | $0 | $0 |
Legacy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy 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 Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4042) · FFIEC NIC profile (RSSD 320052)