Oklahoma State 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 Loans and leases to core deposits: 2.67 percentage points higher than in Q1 2026, at 86.38%. Oklahoma State Bank ranks 82nd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 79.50% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Oklahoma State Bank sits 12.17 points higher, at 79.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.0M |
| Fed funds sold and reverse repos | $147K |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.50% |
| Net loans and leases to deposits | 78.86% |
| Loans and leases to core deposits | 86.38% |
| Core deposits to total deposits | 92.04% |
| 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 | 67.53% | 93.44% | $0 | $0 |
| Q4 2023 | 75.19% | 95.11% | $0 | $0 |
| Q1 2024 | 80.38% | 95.26% | $0 | $0 |
| Q2 2024 | 81.31% | 95.60% | $0 | $0 |
| Q3 2024 | 79.82% | 94.60% | $0 | $0 |
| Q4 2024 | 87.08% | 94.63% | $0 | $0 |
| Q1 2025 | 78.53% | 95.06% | $0 | $0 |
| Q2 2025 | 71.17% | 94.06% | $0 | $0 |
| Q3 2025 | 79.26% | 94.11% | $0 | $0 |
| Q4 2025 | 86.90% | 88.45% | $0 | $0 |
| Q1 2026 | 77.86% | 93.02% | $0 | $0 |
| Q2 2026 | 79.50% | 92.04% | $0 | $0 |
Oklahoma State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13416) · FFIEC NIC profile (RSSD 324256)