Outdoor 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 Brokered deposits to total deposits: 5.16 percentage points higher than in Q1 2026, at 15.81%. Outdoor Bank ranks 63rd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 83.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Outdoor Bank reported 83.05% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $152.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $155.0M |
| 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 | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.69% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.05% |
| Net loans and leases to deposits | 80.96% |
| Loans and leases to core deposits | 86.60% |
| Core deposits to total deposits | 95.90% |
| Brokered deposits to total deposits | 15.81% |
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 | 89.50% | 92.12% | $0 | $14.4M |
| Q4 2023 | 74.28% | 94.21% | $0 | $10.9M |
| Q1 2024 | 81.28% | 93.83% | $0 | $10.9M |
| Q2 2024 | 87.49% | 94.15% | $0 | $10.9M |
| Q3 2024 | 92.77% | 94.24% | $0 | $10.9M |
| Q4 2024 | 89.98% | 93.29% | $0 | $10.9M |
| Q1 2025 | 79.11% | 93.98% | $0 | $10.9M |
| Q2 2025 | 92.17% | 94.63% | $0 | $10.9M |
| Q3 2025 | 94.28% | 95.16% | $0 | $10.9M |
| Q4 2025 | 83.41% | 95.46% | $0 | $10.9M |
| Q1 2026 | 85.01% | 95.66% | $0 | $10.9M |
| Q2 2026 | 83.05% | 95.90% | $0 | $11.0M |
Outdoor Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Outdoor 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 Outdoor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17685) · FFIEC NIC profile (RSSD 43351)