Ozona 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 Loans and leases to core deposits: 5.84 percentage points higher than in Q1 2026, at 69.86%. Ozona Bank ranks 231st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 63.12% (Q2 2026). Ozona Bank reported 63.12% on loan-to-deposit ratio for Q2 2026, 17.44 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $152.4M |
| 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 | $27.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.12% |
| Net loans and leases to deposits | 62.36% |
| Loans and leases to core deposits | 69.86% |
| Core deposits to total deposits | 90.35% |
| 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 | 44.28% | 97.33% | $0 | $27.0M |
| Q4 2023 | 44.79% | 95.28% | $0 | $27.0M |
| Q1 2024 | 48.21% | 94.27% | $0 | $50.0M |
| Q2 2024 | 46.61% | 93.65% | $0 | $50.0M |
| Q3 2024 | 45.81% | 92.77% | $0 | $25.0M |
| Q4 2024 | 47.73% | 92.40% | $0 | $10.0M |
| Q1 2025 | 49.13% | 92.07% | $0 | $10.0M |
| Q2 2025 | 50.76% | 92.07% | $0 | $17.5M |
| Q3 2025 | 55.07% | 90.48% | $0 | $17.5M |
| Q4 2025 | 57.71% | 89.53% | $0 | $17.5M |
| Q1 2026 | 57.79% | 90.27% | $0 | $32.5M |
| Q2 2026 | 63.12% | 90.35% | $0 | $27.5M |
Ozona Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozona 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 Ozona Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3376) · FFIEC NIC profile (RSSD 780263)