Spiritbank: 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.
Loan-to-deposit ratio climbed 1.67 percentage points in Q2 2026, from 72.99% to 74.66%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Spiritbank is 98th of 169 on loan-to-deposit ratio, 74.66% as of Q2 2026, below the middle of the field. Spiritbank reported 74.66% on loan-to-deposit ratio for Q2 2026, 6.18 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $156.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $286.7M |
| Fed funds sold and reverse repos | $351K |
| Fed funds sold and reverse repos to assets | 0.04% |
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 | 74.66% |
| Net loans and leases to deposits | 73.71% |
| Loans and leases to core deposits | 81.46% |
| Core deposits to total deposits | 70.48% |
| Brokered deposits to total deposits | 21.17% |
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 | 98.58% | 68.14% | $0 | $0 |
| Q4 2023 | 90.01% | 72.96% | $0 | $0 |
| Q1 2024 | 88.06% | 74.10% | $0 | $0 |
| Q2 2024 | 89.64% | 73.25% | $0 | $0 |
| Q3 2024 | 88.35% | 71.41% | $0 | $0 |
| Q4 2024 | 91.06% | 72.10% | $0 | $0 |
| Q1 2025 | 80.65% | 74.18% | $0 | $0 |
| Q2 2025 | 75.07% | 72.79% | $0 | $0 |
| Q3 2025 | 70.81% | 71.80% | $0 | $0 |
| Q4 2025 | 72.69% | 72.47% | $0 | $0 |
| Q1 2026 | 72.99% | 70.12% | $0 | $0 |
| Q2 2026 | 74.66% | 70.48% | $0 | $0 |
Spiritbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiritbank, 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 Spiritbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4048) · FFIEC NIC profile (RSSD 142955)