Spiro 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.
Loans and leases to core deposits climbed 17.35 percentage points in Q2 2026, from 72.90% to 90.25%. It was the largest change from Q1 2026 among the key lines here. Spiro State Bank ranks 67th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 82.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Spiro State Bank reported 82.94% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.2M |
| Fed funds sold and reverse repos | $2.7M |
| Fed funds sold and reverse repos to assets | 2.09% |
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 | 82.94% |
| Net loans and leases to deposits | 82.25% |
| Loans and leases to core deposits | 90.25% |
| Core deposits to total deposits | 91.90% |
| 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 | 18.99% | 100.00% | $0 | $0 |
| Q4 2023 | 19.49% | 100.00% | $0 | $0 |
| Q1 2024 | 18.02% | 100.00% | $0 | $0 |
| Q2 2024 | 20.39% | 100.00% | $0 | $0 |
| Q3 2024 | 26.61% | 96.46% | $0 | $0 |
| Q4 2024 | 45.87% | 94.61% | $0 | $0 |
| Q1 2025 | 52.43% | 94.13% | $0 | $0 |
| Q2 2025 | 58.85% | 95.03% | $0 | $0 |
| Q3 2025 | 65.74% | 94.76% | $0 | $0 |
| Q4 2025 | 70.54% | 92.45% | $0 | $0 |
| Q1 2026 | 67.57% | 92.69% | $0 | $0 |
| Q2 2026 | 82.94% | 91.90% | $0 | $0 |
Spiro State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiro 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 Spiro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16908) · FFIEC NIC profile (RSSD 397858)