The Payne County 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.
Loans and leases to core deposits climbed 2.56 percentage points in Q2 2026, from 101.19% to 103.75%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Payne County Bank is 40th of 169 on loan-to-deposit ratio, 91.68% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Payne County Bank sits 10.84 points higher, at 91.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.9M |
| Fed funds sold and reverse repos | $14.0M |
| Fed funds sold and reverse repos to assets | 4.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.68% |
| Net loans and leases to deposits | 90.96% |
| Loans and leases to core deposits | 103.75% |
| Core deposits to total deposits | 88.37% |
| 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 | 90.74% | 91.59% | $0 | $19.0M |
| Q4 2023 | 91.27% | 90.06% | $0 | $23.0M |
| Q1 2024 | 88.69% | 90.56% | $0 | $21.0M |
| Q2 2024 | 87.59% | 89.71% | $8K | $15.0M |
| Q3 2024 | 89.05% | 89.13% | $0 | $15.0M |
| Q4 2024 | 86.83% | 86.06% | $0 | $13.0M |
| Q1 2025 | 86.16% | 88.58% | $0 | $13.0M |
| Q2 2025 | 85.81% | 89.69% | $0 | $13.0M |
| Q3 2025 | 92.71% | 90.10% | $0 | $19.0M |
| Q4 2025 | 91.70% | 88.23% | $0 | $17.2M |
| Q1 2026 | 89.57% | 88.52% | $0 | $12.5M |
| Q2 2026 | 91.68% | 88.37% | $0 | $15.5M |
The Payne County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Payne County 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 The Payne County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12485) · FFIEC NIC profile (RSSD 455150)