Ozarks Federal Savings and Loan Association: 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.
Other borrowed money dropped 42.1% in Q2 2026, from $9.5M to $5.5M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Ozarks Federal Savings and Loan Association is 29th of 192 on loan-to-deposit ratio, 98.02% as of Q2 2026, above the middle of the field. Ozarks Federal Savings and Loan Association reported 98.02% on loan-to-deposit ratio for Q2 2026, 17.18 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 | $18.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.5M |
| Fed funds sold and reverse repos | $4.6M |
| Fed funds sold and reverse repos to assets | 1.67% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.02% |
| Net loans and leases to deposits | 97.09% |
| Loans and leases to core deposits | 108.32% |
| Core deposits to total deposits | 88.29% |
| Brokered deposits to total deposits | 2.20% |
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 | 105.17% | 92.99% | $0 | $21.9M |
| Q4 2023 | 107.55% | 91.73% | $0 | $25.5M |
| Q1 2024 | 105.11% | 90.94% | $0 | $20.5M |
| Q2 2024 | 104.98% | 90.41% | $0 | $23.1M |
| Q3 2024 | 108.21% | 90.00% | $0 | $31.0M |
| Q4 2024 | 112.56% | 89.94% | $0 | $40.5M |
| Q1 2025 | 111.42% | 90.33% | $0 | $37.5M |
| Q2 2025 | 108.49% | 90.80% | $0 | $31.0M |
| Q3 2025 | 110.26% | 90.68% | $0 | $33.0M |
| Q4 2025 | 111.12% | 89.75% | $0 | $42.0M |
| Q1 2026 | 98.48% | 88.23% | $0 | $9.5M |
| Q2 2026 | 98.02% | 88.29% | $0 | $5.5M |
Ozarks Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozarks Federal Savings and Loan Association, 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 Ozarks Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28277) · FFIEC NIC profile (RSSD 1016174)