The State Bank of Wynnewood: 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 dropped 1.41 percentage points in Q3 2026, from 65.47% to 64.06%. It was the largest change from Q2 2026 among the key lines here. The State Bank of Wynnewood ranks 144th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 51.77% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The State Bank of Wynnewood sits 29.07 points lower, at 51.77% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 51.77% |
| Net loans and leases to deposits | 51.07% |
| Loans and leases to core deposits | 64.06% |
| Core deposits to total deposits | 80.82% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 51.89% | 77.51% | $0 | $0 |
| Q1 2024 | 48.01% | 76.80% | $0 | $0 |
| Q2 2024 | 49.01% | 75.47% | $0 | $0 |
| Q3 2024 | 51.37% | 72.35% | $0 | $0 |
| Q4 2024 | 51.06% | 74.40% | $0 | $0 |
| Q1 2025 | 48.80% | 74.74% | $0 | $0 |
| Q2 2025 | 49.32% | 77.11% | $0 | $0 |
| Q3 2025 | 51.90% | 76.71% | $0 | $0 |
| Q4 2025 | 57.11% | 78.17% | $0 | $0 |
| Q1 2026 | 50.21% | 81.02% | $0 | $0 |
| Q2 2026 | 52.52% | 80.22% | $0 | $0 |
| Q3 2026 | 51.77% | 80.82% | $0 | $0 |
The State Bank of Wynnewood liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Wynnewood, 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 State Bank of Wynnewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4232) · FFIEC NIC profile (RSSD 952257)