Oconee Federal Savings and Loan Association: 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 Cash and balances due from depository institutions: 60.2% higher than in Q1 2026, at $14.6M. Within South Carolina, Oconee Federal Savings and Loan Association is 14th of 44 on loan-to-deposit ratio, 87.44% as of Q2 2026, above the middle of the field. Oconee Federal Savings and Loan Association reported 87.44% on loan-to-deposit ratio for Q2 2026, 6.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.8M |
| 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 | $19.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.44% |
| Net loans and leases to deposits | 86.78% |
| Loans and leases to core deposits | 97.11% |
| Core deposits to total deposits | 90.04% |
| 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 | 88.32% | 92.60% | $0 | $50.2M |
| Q4 2023 | 88.18% | 92.75% | $0 | $50.2M |
| Q1 2024 | 89.19% | 90.72% | $0 | $52.5M |
| Q2 2024 | 88.51% | 91.11% | $0 | $56.0M |
| Q3 2024 | 89.56% | 91.06% | $0 | $52.5M |
| Q4 2024 | 89.51% | 90.61% | $0 | $47.2M |
| Q1 2025 | 89.62% | 91.47% | $0 | $39.8M |
| Q2 2025 | 87.95% | 90.69% | $0 | $35.8M |
| Q3 2025 | 89.22% | 90.41% | $0 | $29.2M |
| Q4 2025 | 87.14% | 90.34% | $0 | $19.8M |
| Q1 2026 | 87.72% | 90.43% | $0 | $16.8M |
| Q2 2026 | 87.44% | 90.04% | $0 | $19.8M |
Oconee Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee Federal Savings and Loan Association, 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 Oconee Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30111) · FFIEC NIC profile (RSSD 853671)