Progressive Ozark 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: 3.17 percentage points lower than in Q1 2026, at 93.55%. Progressive Ozark Bank ranks 63rd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 91.42% (Q2 2026). Progressive Ozark Bank reported 91.42% on loan-to-deposit ratio for Q2 2026, 10.58 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 | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.0M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.42% |
| Net loans and leases to deposits | 90.42% |
| Loans and leases to core deposits | 93.55% |
| Core deposits to total deposits | 97.73% |
| 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 | 104.44% | 99.19% | $0 | $6.5M |
| Q4 2023 | 101.80% | 98.69% | $0 | $2.8M |
| Q1 2024 | 95.24% | 97.63% | $0 | $2.0M |
| Q2 2024 | 95.14% | 97.55% | $0 | $0 |
| Q3 2024 | 98.81% | 97.30% | $0 | $1.0M |
| Q4 2024 | 101.24% | 97.34% | $0 | $5.5M |
| Q1 2025 | 96.63% | 96.42% | $0 | $0 |
| Q2 2025 | 91.93% | 96.68% | $0 | $0 |
| Q3 2025 | 91.54% | 96.86% | $0 | $0 |
| Q4 2025 | 93.13% | 97.00% | $0 | $0 |
| Q1 2026 | 94.20% | 97.39% | $0 | $0 |
| Q2 2026 | 91.42% | 97.73% | $0 | $0 |
Progressive Ozark Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Progressive Ozark 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 Progressive Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31488) · FFIEC NIC profile (RSSD 143372)