Security Bank of the Ozarks: 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: 4.70 percentage points higher than in Q1 2026, at 80.36%. Within Missouri, Security Bank of the Ozarks is 141st of 192 on loan-to-deposit ratio, 73.78% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security Bank of the Ozarks sits 7.06 points lower, at 73.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.1M |
| 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 | 73.78% |
| Net loans and leases to deposits | 73.02% |
| Loans and leases to core deposits | 80.36% |
| Core deposits to total deposits | 91.81% |
| 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 | 67.20% | 93.13% | $0 | $0 |
| Q4 2023 | 67.57% | 93.50% | $0 | $0 |
| Q1 2024 | 70.67% | 92.24% | $0 | $0 |
| Q2 2024 | 67.50% | 92.21% | $0 | $0 |
| Q3 2024 | 67.47% | 91.52% | $0 | $0 |
| Q4 2024 | 70.03% | 91.51% | $0 | $0 |
| Q1 2025 | 69.69% | 91.56% | $0 | $0 |
| Q2 2025 | 67.84% | 91.64% | $0 | $0 |
| Q3 2025 | 68.52% | 91.39% | $0 | $0 |
| Q4 2025 | 69.69% | 91.18% | $0 | $0 |
| Q1 2026 | 69.27% | 91.55% | $0 | $0 |
| Q2 2026 | 73.78% | 91.81% | $0 | $0 |
Security Bank of the Ozarks liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of the Ozarks, 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 Security Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18033) · FFIEC NIC profile (RSSD 956358)