Lone Oak Bank, N.A.: 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 Loans and leases to core deposits: 8.50 percentage points higher than in Q1 2026, at 99.93%. Within Texas, Lone Oak Bank, N.A. is 65th of 346 on loan-to-deposit ratio, 88.13% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lone Oak Bank, N.A. sits 7.29 points higher, at 88.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.5M |
| Fed funds sold and reverse repos | $11.1M |
| Fed funds sold and reverse repos to assets | 9.28% |
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 | 88.13% |
| Net loans and leases to deposits | 86.77% |
| Loans and leases to core deposits | 99.93% |
| Core deposits to total deposits | 88.19% |
| Brokered deposits to total deposits | 7.99% |
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 | 90.33% | 82.63% | $0 | $5.0M |
| Q4 2023 | 86.67% | 82.87% | $0 | $0 |
| Q1 2024 | 82.49% | 83.61% | $0 | $0 |
| Q2 2024 | 86.37% | 85.79% | $0 | $0 |
| Q3 2024 | 84.86% | 85.17% | $0 | $0 |
| Q4 2024 | 84.57% | 87.00% | $0 | $0 |
| Q1 2025 | 83.54% | 86.50% | $0 | $0 |
| Q2 2025 | 82.29% | 93.17% | $0 | $0 |
| Q3 2025 | 85.92% | 93.00% | $0 | $0 |
| Q4 2025 | 89.26% | 87.53% | $0 | $0 |
| Q1 2026 | 82.35% | 90.07% | $0 | $0 |
| Q2 2026 | 88.13% | 88.19% | $0 | $0 |
Lone Oak Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Oak Bank, N.A., 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 Lone Oak Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3184) · FFIEC NIC profile (RSSD 665258)