Prism 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: 6.56 percentage points lower than in Q1 2026, at 119.03%. Within Oklahoma, Prism Bank is 28th of 169 on loan-to-deposit ratio, 96.38% as of Q2 2026, above the middle of the field. Prism Bank reported 96.38% on loan-to-deposit ratio for Q2 2026, 15.43 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.0M |
| 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 | $9.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.38% |
| Net loans and leases to deposits | 95.29% |
| Loans and leases to core deposits | 119.03% |
| Core deposits to total deposits | 76.91% |
| Brokered deposits to total deposits | 19.15% |
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 | 100.02% | 78.92% | $0 | $8.0M |
| Q4 2023 | 96.86% | 80.11% | $0 | $3.0M |
| Q1 2024 | 102.43% | 76.99% | $0 | $9.0M |
| Q2 2024 | 98.86% | 81.02% | $0 | $5.0M |
| Q3 2024 | 97.39% | 75.28% | $0 | $0 |
| Q4 2024 | 100.14% | 77.71% | $0 | $14.2M |
| Q1 2025 | 99.83% | 73.13% | $0 | $9.8M |
| Q2 2025 | 98.30% | 73.30% | $0 | $5.0M |
| Q3 2025 | 95.67% | 76.17% | $0 | $0 |
| Q4 2025 | 95.81% | 74.98% | $0 | $7.5M |
| Q1 2026 | 101.49% | 73.90% | $0 | $18.8M |
| Q2 2026 | 96.38% | 76.91% | $0 | $9.5M |
Prism Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prism 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 Prism Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5994) · FFIEC NIC profile (RSSD 905356)