McClain 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.66 percentage points higher than in Q1 2026, at 78.01%. McClain Bank ranks 92nd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 76.26% (Q2 2026). McClain Bank reported 76.26% on loan-to-deposit ratio for Q2 2026, 4.29 points below 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 | $41.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.5M |
| 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 | 76.26% |
| Net loans and leases to deposits | 75.26% |
| Loans and leases to core deposits | 78.01% |
| Core deposits to total deposits | 97.75% |
| 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 | 81.66% | 97.96% | $0 | $0 |
| Q4 2023 | 79.76% | 97.77% | $0 | $0 |
| Q1 2024 | 77.88% | 97.89% | $0 | $0 |
| Q2 2024 | 77.17% | 97.88% | $0 | $0 |
| Q3 2024 | 74.28% | 97.95% | $0 | $0 |
| Q4 2024 | 72.39% | 97.99% | $0 | $0 |
| Q1 2025 | 69.52% | 97.93% | $0 | $0 |
| Q2 2025 | 74.83% | 98.43% | $0 | $0 |
| Q3 2025 | 74.54% | 98.05% | $0 | $0 |
| Q4 2025 | 77.09% | 97.98% | $0 | $0 |
| Q1 2026 | 73.77% | 97.90% | $0 | $0 |
| Q2 2026 | 76.26% | 97.75% | $0 | $0 |
McClain Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock McClain 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 McClain Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4187) · FFIEC NIC profile (RSSD 648251)