O'Bannon Banking Company: 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.
Fed funds sold and reverse repos dropped 32.3% in Q2 2026, from $11.3M to $7.6M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, O'Bannon Banking Company is 103rd of 192 on loan-to-deposit ratio, 83.52% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. O'Bannon Banking Company sits 2.68 points higher, at 83.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $76.3M |
| Fed funds sold and reverse repos | $7.6M |
| Fed funds sold and reverse repos to assets | 2.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.52% |
| Net loans and leases to deposits | 82.55% |
| Loans and leases to core deposits | 88.92% |
| Core deposits to total deposits | 93.93% |
| 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 | 86.56% | 94.56% | $2.0M | $10.3M |
| Q4 2023 | 86.42% | 94.93% | $0 | $9.4M |
| Q1 2024 | 84.03% | 93.96% | $0 | $5.8M |
| Q2 2024 | 79.89% | 93.58% | $0 | $5.8M |
| Q3 2024 | 83.06% | 93.17% | $0 | $5.2M |
| Q4 2024 | 80.81% | 92.66% | $0 | $3.2M |
| Q1 2025 | 77.10% | 92.06% | $0 | $3.2M |
| Q2 2025 | 79.10% | 93.25% | $0 | $3.2M |
| Q3 2025 | 81.57% | 93.21% | $0 | $2.5M |
| Q4 2025 | 85.86% | 93.80% | $0 | $4.2M |
| Q1 2026 | 81.87% | 93.59% | $0 | $4.2M |
| Q2 2026 | 83.52% | 93.93% | $0 | $4.2M |
O'Bannon Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock O'Bannon Banking Company, 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 O'Bannon Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8295) · FFIEC NIC profile (RSSD 955940)