RCB 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.
Fed funds sold and reverse repos climbed 142.1% in Q2 2026, from $22.0M to $53.2M. It was the largest change from Q1 2026 among the key lines here. RCB Bank ranks 123rd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 65.60% (Q2 2026). RCB Bank reported 65.60% on loan-to-deposit ratio for Q2 2026, 22.60 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $174.7M |
| Cash and noninterest-bearing balances to assets | 4.32% |
| Cash and securities | $1.43B |
| Fed funds sold and reverse repos | $53.2M |
| Fed funds sold and reverse repos to assets | 1.33% |
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 | 65.60% |
| Net loans and leases to deposits | 64.90% |
| Loans and leases to core deposits | 68.43% |
| Core deposits to total deposits | 95.87% |
| 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 | 70.21% | 96.68% | $0 | $260.2M |
| Q4 2023 | 69.91% | 95.98% | $0 | $260.2M |
| Q1 2024 | 69.39% | 95.80% | $0 | $300.0M |
| Q2 2024 | 70.87% | 95.33% | $0 | $300.0M |
| Q3 2024 | 67.90% | 95.50% | $0 | $300.0M |
| Q4 2024 | 66.03% | 95.33% | $0 | $0 |
| Q1 2025 | 66.11% | 95.01% | $0 | $0 |
| Q2 2025 | 65.94% | 94.95% | $0 | $0 |
| Q3 2025 | 67.22% | 94.70% | $0 | $0 |
| Q4 2025 | 63.14% | 95.06% | $0 | $0 |
| Q1 2026 | 61.63% | 95.64% | $0 | $0 |
| Q2 2026 | 65.60% | 95.87% | $0 | $0 |
RCB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock RCB 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 RCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15399) · FFIEC NIC profile (RSSD 945053)