Oxford 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 Cash and balances due from depository institutions: 12.5% higher than in Q1 2026, at $39.5M. Oxford Bank ranks 25th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 92.37% (Q2 2026). Oxford Bank reported 92.37% on loan-to-deposit ratio for Q2 2026, 11.53 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 | $39.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $160.6M |
| 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 | $702K |
| Other borrowed money | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.37% |
| Net loans and leases to deposits | 91.13% |
| Loans and leases to core deposits | 96.68% |
| Core deposits to total deposits | 89.94% |
| Brokered deposits to total deposits | 5.60% |
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 | 75.15% | 99.61% | $0 | $0 |
| Q4 2023 | 75.71% | 95.88% | $0 | $0 |
| Q1 2024 | 71.91% | 97.26% | $0 | $0 |
| Q2 2024 | 84.38% | 92.99% | $0 | $10.0M |
| Q3 2024 | 78.59% | 87.35% | $0 | $0 |
| Q4 2024 | 87.74% | 90.94% | $0 | $0 |
| Q1 2025 | 87.68% | 91.31% | $0 | $0 |
| Q2 2025 | 86.53% | 89.86% | $0 | $0 |
| Q3 2025 | 83.45% | 85.85% | $0 | $0 |
| Q4 2025 | 68.52% | 93.56% | $114K | $0 |
| Q1 2026 | 93.20% | 91.14% | $0 | $26.0M |
| Q2 2026 | 92.37% | 89.94% | $702K | $23.0M |
Oxford Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oxford 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 Oxford Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9719) · FFIEC NIC profile (RSSD 448040)