Osb Community 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 Fed funds sold and reverse repos: 17.6% higher than in Q1 2026, at $6.1M. On loan-to-deposit ratio, Osb Community Bank ranks 11th highest among the 323 banks headquartered in Illinois, at 105.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Osb Community Bank sits 24.94 points higher, at 105.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.5M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 1.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $16.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.50% |
| Net loans and leases to deposits | 104.12% |
| Loans and leases to core deposits | 132.31% |
| Core deposits to total deposits | 79.66% |
| Brokered deposits to total deposits | 15.08% |
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 | 110.85% | 85.85% | $0 | $33.6M |
| Q4 2023 | 111.52% | 84.16% | $0 | $33.7M |
| Q1 2024 | 109.36% | 83.56% | $0 | $26.5M |
| Q2 2024 | 109.91% | 83.49% | $0 | $29.6M |
| Q3 2024 | 110.89% | 84.33% | $0 | $32.0M |
| Q4 2024 | 107.29% | 83.55% | $0 | $22.6M |
| Q1 2025 | 103.92% | 84.67% | $0 | $19.4M |
| Q2 2025 | 109.12% | 84.47% | $0 | $21.9M |
| Q3 2025 | 102.81% | 80.60% | $0 | $15.4M |
| Q4 2025 | 102.99% | 79.97% | $0 | $16.0M |
| Q1 2026 | 104.60% | 79.87% | $0 | $16.0M |
| Q2 2026 | 105.50% | 79.66% | $0 | $16.0M |
Osb Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Osb Community 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 Osb Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27989) · FFIEC NIC profile (RSSD 725077)