Osgood 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: 100.0% lower than in Q1 2026, at $0. Within Ohio, Osgood Bank is 118th of 156 on loan-to-deposit ratio, 69.39% as of Q2 2026, below the middle of the field. Osgood Bank reported 69.39% on loan-to-deposit ratio for Q2 2026, 11.45 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $156.5M |
| 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 | $246K |
| Other borrowed money | $655K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.39% |
| Net loans and leases to deposits | 68.13% |
| Loans and leases to core deposits | 75.70% |
| Core deposits to total deposits | 90.52% |
| Brokered deposits to total deposits | 1.14% |
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 | 87.40% | 85.01% | $0 | $27.2M |
| Q4 2023 | 89.36% | 84.93% | $0 | $30.1M |
| Q1 2024 | 88.68% | 82.02% | $0 | $27.0M |
| Q2 2024 | 75.12% | 84.41% | $0 | $26.9M |
| Q3 2024 | 71.40% | 86.84% | $0 | $26.8M |
| Q4 2024 | 70.81% | 88.21% | $0 | $21.7M |
| Q1 2025 | 70.80% | 88.90% | $0 | $21.6M |
| Q2 2025 | 71.66% | 88.72% | $0 | $15.9M |
| Q3 2025 | 69.72% | 89.38% | $0 | $15.8M |
| Q4 2025 | 66.51% | 89.13% | $0 | $15.8M |
| Q1 2026 | 63.65% | 89.60% | $0 | $15.7M |
| Q2 2026 | 69.39% | 90.52% | $246K | $655K |
Osgood Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Osgood 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 Osgood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9137) · FFIEC NIC profile (RSSD 313223)