The Ottoville Bank Company: 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 Loans and leases to core deposits: 3.48 percentage points lower than in Q1 2026, at 58.99%. The Ottoville Bank Company has the 11th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 52.73% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Ottoville Bank Company sits 14.90 points lower, at 52.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.9M |
| 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 | $249K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.73% |
| Net loans and leases to deposits | 51.07% |
| Loans and leases to core deposits | 58.99% |
| Core deposits to total deposits | 89.38% |
| 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 | 63.43% | 91.67% | $0 | $712K |
| Q4 2023 | 68.62% | 91.45% | $0 | $637K |
| Q1 2024 | 63.97% | 86.07% | $0 | $593K |
| Q2 2024 | 60.19% | 86.16% | $0 | $566K |
| Q3 2024 | 62.39% | 86.91% | $0 | $503K |
| Q4 2024 | 57.28% | 86.64% | $0 | $446K |
| Q1 2025 | 60.01% | 91.50% | $0 | $417K |
| Q2 2025 | 58.86% | 91.17% | $0 | $387K |
| Q3 2025 | 54.10% | 89.79% | $0 | $341K |
| Q4 2025 | 58.24% | 89.32% | $0 | $297K |
| Q1 2026 | 55.76% | 89.26% | $0 | $274K |
| Q2 2026 | 52.73% | 89.38% | $0 | $249K |
The Ottoville Bank Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Ottoville Bank Company, 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 The Ottoville Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8403) · FFIEC NIC profile (RSSD 443625)