OMB 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.
Loans and leases to core deposits dropped 3.17 percentage points in Q2 2026, from 122.37% to 119.20%. It was the largest change from Q1 2026 among the key lines here. OMB Bank ranks 21st of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 99.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. OMB Bank sits 11.43 points higher, at 99.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $248.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $262.0M |
| 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 | $70.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.63% |
| Net loans and leases to deposits | 98.05% |
| Loans and leases to core deposits | 119.20% |
| Core deposits to total deposits | 80.72% |
| Brokered deposits to total deposits | 15.51% |
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 | 101.59% | 75.28% | $0 | $74.5M |
| Q4 2023 | 101.99% | 75.74% | $0 | $87.5M |
| Q1 2024 | 101.36% | 73.39% | $0 | $76.5M |
| Q2 2024 | 112.04% | 79.05% | $10.0M | $159.5M |
| Q3 2024 | 102.28% | 74.16% | $0 | $83.5M |
| Q4 2024 | 102.05% | 71.84% | $0 | $83.5M |
| Q1 2025 | 99.82% | 74.41% | $0 | $78.5M |
| Q2 2025 | 100.76% | 78.26% | $0 | $71.0M |
| Q3 2025 | 103.62% | 80.04% | $0 | $70.0M |
| Q4 2025 | 100.22% | 80.08% | $0 | $61.5M |
| Q1 2026 | 101.29% | 79.95% | $0 | $70.0M |
| Q2 2026 | 99.63% | 80.72% | $0 | $70.0M |
OMB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock OMB 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 OMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8252) · FFIEC NIC profile (RSSD 2785646)