Oklahoma 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.
The standout move of Q2 2026 was in Other borrowed money: 75.9% higher than in Q1 2026, at $10.6M. Among 169 Oklahoma banks, Oklahoma Capital Bank sits 11th from the top on loan-to-deposit ratio, 101.50% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Oklahoma Capital Bank sits 20.66 points higher, at 101.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.2M |
| Fed funds sold and reverse repos | $719K |
| Fed funds sold and reverse repos to assets | 0.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.50% |
| Net loans and leases to deposits | 100.43% |
| Loans and leases to core deposits | 116.66% |
| Core deposits to total deposits | 87.01% |
| 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 | 105.41% | 74.15% | $0 | $8.0M |
| Q4 2023 | 97.49% | 74.96% | $0 | $8.0M |
| Q1 2024 | 90.31% | 78.39% | $0 | $6.0M |
| Q2 2024 | 90.82% | 80.24% | $0 | $6.0M |
| Q3 2024 | 88.74% | 80.10% | $0 | $6.0M |
| Q4 2024 | 92.05% | 82.40% | $0 | $6.0M |
| Q1 2025 | 90.59% | 82.48% | $0 | $6.0M |
| Q2 2025 | 94.35% | 84.37% | $0 | $6.0M |
| Q3 2025 | 92.53% | 86.48% | $0 | $0 |
| Q4 2025 | 101.67% | 85.16% | $0 | $9.0M |
| Q1 2026 | 100.25% | 87.16% | $0 | $6.0M |
| Q2 2026 | 101.50% | 87.01% | $0 | $10.6M |
Oklahoma Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma 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 Oklahoma Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18856) · FFIEC NIC profile (RSSD 284154)