Owen County State 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: 2.97 percentage points higher than in Q1 2026, at 89.83%. Owen County State Bank ranks 45th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 83.40% (Q2 2026). Owen County State Bank reported 83.40% on loan-to-deposit ratio for Q2 2026, 2.56 points above 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 | $26.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.7M |
| 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 | $36.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.40% |
| Net loans and leases to deposits | 82.30% |
| Loans and leases to core deposits | 88.28% |
| Core deposits to total deposits | 89.83% |
| Brokered deposits to total deposits | 4.64% |
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 | 76.98% | 92.73% | $0 | $32.3M |
| Q4 2023 | 75.98% | 88.16% | $0 | $29.3M |
| Q1 2024 | 77.25% | 89.07% | $0 | $29.3M |
| Q2 2024 | 79.27% | 89.32% | $0 | $42.3M |
| Q3 2024 | 82.44% | 88.14% | $0 | $42.2M |
| Q4 2024 | 81.76% | 87.21% | $0 | $42.2M |
| Q1 2025 | 86.84% | 87.28% | $0 | $52.2M |
| Q2 2025 | 87.19% | 86.91% | $0 | $55.2M |
| Q3 2025 | 87.87% | 86.34% | $0 | $50.2M |
| Q4 2025 | 86.09% | 86.36% | $0 | $47.2M |
| Q1 2026 | 82.12% | 86.86% | $0 | $36.2M |
| Q2 2026 | 83.40% | 89.83% | $0 | $36.2M |
Owen County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Owen County State 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 Owen County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13112) · FFIEC NIC profile (RSSD 38740)