Sovereign 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.
Loans and leases to core deposits climbed 7.73 percentage points in Q2 2026, from 107.22% to 114.94%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sovereign Bank ranks 12th highest among the 169 banks headquartered in Oklahoma, at 101.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Sovereign Bank sits 12.85 points higher, at 101.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $212.1M |
| Fed funds sold and reverse repos | $32.9M |
| Fed funds sold and reverse repos to assets | 2.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $117.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.05% |
| Net loans and leases to deposits | 99.69% |
| Loans and leases to core deposits | 114.94% |
| Core deposits to total deposits | 87.91% |
| Brokered deposits to total deposits | 4.19% |
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 | 93.68% | 93.76% | $0 | $32.9M |
| Q4 2023 | 93.40% | 93.42% | $0 | $37.8M |
| Q1 2024 | 97.37% | 93.81% | $0 | $62.8M |
| Q2 2024 | 97.64% | 91.28% | $0 | $92.8M |
| Q3 2024 | 99.32% | 91.20% | $0 | $87.7M |
| Q4 2024 | 90.36% | 91.90% | $0 | $42.6M |
| Q1 2025 | 93.30% | 91.54% | $0 | $37.6M |
| Q2 2025 | 94.22% | 91.87% | $0 | $82.6M |
| Q3 2025 | 96.76% | 90.37% | $0 | $87.5M |
| Q4 2025 | 95.22% | 91.29% | $0 | $77.4M |
| Q1 2026 | 96.99% | 90.47% | $0 | $96.4M |
| Q2 2026 | 101.05% | 87.91% | $0 | $117.2M |
Sovereign Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sovereign 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 Sovereign Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25738) · FFIEC NIC profile (RSSD 396253)