Opportunity Bank of Montana: 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.
Other borrowed money climbed 235.2% in Q2 2026, from $11.7M to $39.1M. It was the largest change from Q1 2026 among the key lines here. Within Montana, Opportunity Bank of Montana is 11th of 35 on loan-to-deposit ratio, 87.15% as of Q2 2026, above the middle of the field. At 87.15%, Opportunity Bank of Montana's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $314.2M |
| 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 | $39.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.15% |
| Net loans and leases to deposits | 86.17% |
| Loans and leases to core deposits | 94.59% |
| Core deposits to total deposits | 92.14% |
| 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 | 91.96% | 92.35% | $0 | $199.8M |
| Q4 2023 | 90.81% | 90.02% | $0 | $175.7M |
| Q1 2024 | 91.59% | 90.93% | $0 | $177.5M |
| Q2 2024 | 93.78% | 91.97% | $0 | $215.1M |
| Q3 2024 | 93.12% | 91.54% | $0 | $219.2M |
| Q4 2024 | 90.20% | 92.52% | $0 | $140.9M |
| Q1 2025 | 89.86% | 92.25% | $0 | $125.0M |
| Q2 2025 | 90.38% | 92.47% | $0 | $119.4M |
| Q3 2025 | 88.65% | 92.86% | $0 | $79.2M |
| Q4 2025 | 84.46% | 92.72% | $105K | $22.9M |
| Q1 2026 | 84.82% | 92.16% | $0 | $11.7M |
| Q2 2026 | 87.15% | 92.14% | $0 | $39.1M |
Opportunity Bank of Montana liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Opportunity Bank of Montana, 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 Opportunity Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30182) · FFIEC NIC profile (RSSD 685676)