The Seiling State 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 Core deposits to total deposits: 9.15 percentage points lower than in Q1 2026, at 67.15%. The Seiling State Bank ranks 81st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 79.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; The Seiling State Bank reported 79.57% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.1M |
| Fed funds sold and reverse repos | $5.3M |
| Fed funds sold and reverse repos to assets | 2.72% |
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 | 79.57% |
| Net loans and leases to deposits | 78.31% |
| Loans and leases to core deposits | 105.09% |
| Core deposits to total deposits | 67.15% |
| Brokered deposits to total deposits | 8.57% |
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 | 66.27% | 80.51% | $0 | $0 |
| Q4 2023 | 65.94% | 72.47% | $0 | $0 |
| Q1 2024 | 67.35% | 71.24% | $82K | $0 |
| Q2 2024 | 66.08% | 67.26% | $0 | $0 |
| Q3 2024 | 67.65% | 65.80% | $0 | $0 |
| Q4 2024 | 74.28% | 70.23% | $2.1M | $0 |
| Q1 2025 | 72.11% | 75.29% | $0 | $0 |
| Q2 2025 | 71.19% | 72.97% | $0 | $0 |
| Q3 2025 | 69.66% | 68.27% | $0 | $0 |
| Q4 2025 | 80.51% | 73.66% | $0 | $0 |
| Q1 2026 | 76.38% | 76.30% | $0 | $0 |
| Q2 2026 | 79.57% | 67.15% | $0 | $0 |
The Seiling State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seiling State 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 Seiling State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4193) · FFIEC NIC profile (RSSD 313157)