OakStar 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.
Other borrowed money climbed 100.0% in Q2 2026, from $35.0M to $70.0M. It was the largest change from Q1 2026 among the key lines here. Among 191 Missouri banks, OakStar Bank sits 19th from the top on loan-to-deposit ratio, 101.66% as of Q2 2026. OakStar Bank reported 101.66% on loan-to-deposit ratio for Q2 2026, 13.46 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $99.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $201.6M |
| 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 | $70.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.66% |
| Net loans and leases to deposits | 100.46% |
| Loans and leases to core deposits | 112.39% |
| Core deposits to total deposits | 82.68% |
| Brokered deposits to total deposits | 7.77% |
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 | 95.41% | 87.83% | $0 | $29.0M |
| Q4 2023 | 97.35% | 88.24% | $0 | $61.5M |
| Q1 2024 | 94.52% | 86.75% | $0 | $29.0M |
| Q2 2024 | 99.62% | 86.35% | $0 | $14.5M |
| Q3 2024 | 98.97% | 84.28% | $0 | $14.5M |
| Q4 2024 | 99.83% | 84.64% | $0 | $0 |
| Q1 2025 | 99.33% | 84.71% | $0 | $0 |
| Q2 2025 | 98.94% | 84.47% | $0 | $0 |
| Q3 2025 | 100.54% | 85.88% | $0 | $0 |
| Q4 2025 | 101.03% | 83.89% | $0 | $0 |
| Q1 2026 | 101.87% | 84.06% | $0 | $35.0M |
| Q2 2026 | 101.66% | 82.68% | $0 | $70.0M |
OakStar Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock OakStar 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 OakStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58115) · FFIEC NIC profile (RSSD 3374412)