Oakworth Capital 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 275.0% in Q2 2026, from $40.0M to $150.0M. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, Oakworth Capital Bank sits 8th from the top on loan-to-deposit ratio, 97.65% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Oakworth Capital Bank sits 9.45 points higher, at 97.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $132.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $358.2M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $150.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.04% |
| Trading liabilities | $405K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.65% |
| Net loans and leases to deposits | 96.48% |
| Loans and leases to core deposits | 99.89% |
| Core deposits to total deposits | 97.76% |
| 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 | 90.62% | 99.13% | $0 | $40.0M |
| Q4 2023 | 86.01% | 98.21% | $0 | $0 |
| Q1 2024 | 88.95% | 98.19% | $0 | $0 |
| Q2 2024 | 96.63% | 98.12% | $0 | $60.0M |
| Q3 2024 | 92.01% | 95.82% | $0 | $30.0M |
| Q4 2024 | 90.62% | 98.85% | $0 | $0 |
| Q1 2025 | 91.41% | 98.74% | $0 | $0 |
| Q2 2025 | 94.80% | 97.09% | $0 | $80.0M |
| Q3 2025 | 89.98% | 97.05% | $0 | $20.0M |
| Q4 2025 | 87.20% | 97.54% | $0 | $0 |
| Q1 2026 | 92.81% | 97.95% | $0 | $40.0M |
| Q2 2026 | 97.65% | 97.76% | $0 | $150.0M |
Oakworth Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oakworth Capital 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 Oakworth Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58783) · FFIEC NIC profile (RSSD 3720608)