Oriental 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 Core deposits to total deposits: 5.79 percentage points lower than in Q1 2026, at 79.69%. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. Oriental Bank sits 3.76 points lower, at 83.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $645.9M |
| Cash and noninterest-bearing balances to assets | 5.36% |
| Cash and securities | $3.28B |
| 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 | $100.0M |
| Other borrowed money | $507.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.11% |
| Net loans and leases to deposits | 81.23% |
| Loans and leases to core deposits | 101.28% |
| Core deposits to total deposits | 79.69% |
| Brokered deposits to total deposits | 2.37% |
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 | 85.18% | 91.76% | $150.6M | $318.2M |
| Q4 2023 | 77.37% | 90.71% | $0 | $219.4M |
| Q1 2024 | 79.15% | 91.68% | $0 | $218.5M |
| Q2 2024 | 79.66% | 90.98% | $0 | $219.0M |
| Q3 2024 | 80.73% | 89.47% | $0 | $311.8M |
| Q4 2024 | 81.25% | 87.47% | $75.0M | $373.6M |
| Q1 2025 | 79.21% | 87.24% | $0 | $299.7M |
| Q2 2025 | 80.77% | 85.08% | $27.3M | $498.3M |
| Q3 2025 | 81.21% | 86.88% | $100.0M | $501.7M |
| Q4 2025 | 80.04% | 85.26% | $100.0M | $511.5M |
| Q1 2026 | 83.64% | 85.48% | $100.0M | $509.4M |
| Q2 2026 | 83.11% | 79.69% | $100.0M | $507.9M |
Oriental Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oriental 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 Oriental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31469) · FFIEC NIC profile (RSSD 245276)