Oak 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 3.50 percentage points in Q2 2026, from 82.36% to 78.85%. It was the largest change from Q1 2026 among the key lines here. Oak Bank ranks 69th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 90.82% (Q2 2026). Oak Bank reported 90.82% on loan-to-deposit ratio for Q2 2026, 10.26 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 | $33.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.3M |
| 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 | 90.82% |
| Net loans and leases to deposits | 89.32% |
| Loans and leases to core deposits | 109.42% |
| Core deposits to total deposits | 78.85% |
| Brokered deposits to total deposits | 4.15% |
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 | 95.26% | 78.73% | $0 | $17.0M |
| Q4 2023 | 94.16% | 75.95% | $0 | $12.0M |
| Q1 2024 | 96.03% | 73.21% | $0 | $12.0M |
| Q2 2024 | 95.34% | 70.45% | $0 | $10.0M |
| Q3 2024 | 92.91% | 73.57% | $0 | $3.5M |
| Q4 2024 | 94.69% | 76.83% | $0 | $3.5M |
| Q1 2025 | 93.34% | 74.31% | $0 | $0 |
| Q2 2025 | 93.38% | 74.93% | $0 | $0 |
| Q3 2025 | 89.21% | 74.60% | $0 | $0 |
| Q4 2025 | 90.82% | 80.23% | $0 | $0 |
| Q1 2026 | 91.22% | 82.36% | $0 | $0 |
| Q2 2026 | 90.82% | 78.85% | $0 | $0 |
Oak Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak 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 Oak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35333) · FFIEC NIC profile (RSSD 2857600)