SNB Bank, N.A.: 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 dropped 65.8% in Q2 2026, from $2.9M to $977K. It was the largest change from Q1 2026 among the key lines here. SNB Bank, N.A. ranks 69th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 82.70% (Q2 2026). At 82.70%, SNB Bank, N.A.'s loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.8M |
| Fed funds sold and reverse repos | $977K |
| Fed funds sold and reverse repos to assets | 0.75% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.70% |
| Net loans and leases to deposits | 81.17% |
| Loans and leases to core deposits | 90.57% |
| Core deposits to total deposits | 83.66% |
| Brokered deposits to total deposits | 7.65% |
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 | 85.56% | 74.13% | $0 | $3.8M |
| Q4 2023 | 87.37% | 68.37% | $0 | $796K |
| Q1 2024 | 91.65% | 69.88% | $0 | $1.9M |
| Q2 2024 | 91.96% | 69.15% | $0 | $3.7M |
| Q3 2024 | 91.99% | 71.26% | $0 | $3.4M |
| Q4 2024 | 84.79% | 78.53% | $0 | $1.3M |
| Q1 2025 | 87.32% | 73.30% | $0 | $752K |
| Q2 2025 | 82.37% | 72.54% | $0 | $743K |
| Q3 2025 | 88.37% | 71.07% | $0 | $1.5M |
| Q4 2025 | 86.03% | 82.07% | $0 | $4.5M |
| Q1 2026 | 82.82% | 83.05% | $0 | $3.1M |
| Q2 2026 | 82.70% | 83.66% | $0 | $2.7M |
SNB Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SNB Bank, N.A., 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 SNB Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4196) · FFIEC NIC profile (RSSD 394156)