Local 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.
Fed funds sold and reverse repos climbed 19.6% in Q2 2026, from $34.7M to $41.5M. It was the largest change from Q1 2026 among the key lines here. Local Bank ranks 41st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 91.55% (Q2 2026). Local Bank reported 91.55% on loan-to-deposit ratio for Q2 2026, 11.00 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.1M |
| Fed funds sold and reverse repos | $41.5M |
| Fed funds sold and reverse repos to assets | 8.96% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $32.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.55% |
| Net loans and leases to deposits | 90.98% |
| Loans and leases to core deposits | 105.13% |
| Core deposits to total deposits | 67.53% |
| Brokered deposits to total deposits | 19.55% |
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 | 76.30% | 88.65% | $12.5M | $0 |
| Q4 2023 | 74.17% | 83.69% | $0 | $0 |
| Q1 2024 | 84.69% | 82.75% | $0 | $34.5M |
| Q2 2024 | 87.63% | 83.17% | $0 | $34.2M |
| Q3 2024 | 80.75% | 84.15% | $0 | $15.2M |
| Q4 2024 | 84.56% | 84.56% | $0 | $19.4M |
| Q1 2025 | 86.06% | 72.02% | $0 | $29.5M |
| Q2 2025 | 89.94% | 73.05% | $0 | $42.3M |
| Q3 2025 | 92.93% | 66.55% | $0 | $25.0M |
| Q4 2025 | 90.63% | 64.84% | $0 | $19.2M |
| Q1 2026 | 92.53% | 67.33% | $0 | $29.2M |
| Q2 2026 | 91.55% | 67.53% | $0 | $32.1M |
Local Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2327) · FFIEC NIC profile (RSSD 815754)