The State Exchange 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.
Core deposits to total deposits climbed 6.70 percentage points in Q2 2026, from 66.49% to 73.19%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The State Exchange Bank is 79th of 169 on loan-to-deposit ratio, 79.80% as of Q2 2026, above the middle of the field. The State Exchange Bank reported 79.80% on loan-to-deposit ratio for Q2 2026, 12.17 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.80% |
| Net loans and leases to deposits | 77.53% |
| Loans and leases to core deposits | 87.14% |
| Core deposits to total deposits | 73.19% |
| Brokered deposits to total deposits | 18.38% |
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 | 97.71% | 64.04% | $0 | $8.5M |
| Q4 2023 | 95.87% | 62.83% | $0 | $8.0M |
| Q1 2024 | 100.31% | 61.38% | $0 | $8.0M |
| Q2 2024 | 102.77% | 61.81% | $0 | $8.0M |
| Q3 2024 | 94.30% | 62.00% | $0 | $8.0M |
| Q4 2024 | 94.16% | 64.68% | $0 | $8.0M |
| Q1 2025 | 96.20% | 64.75% | $0 | $6.0M |
| Q2 2025 | 88.57% | 58.44% | $0 | $1.0M |
| Q3 2025 | 90.28% | 61.95% | $0 | $1.0M |
| Q4 2025 | 84.15% | 59.89% | $0 | $1.0M |
| Q1 2026 | 77.50% | 66.49% | $0 | $1.0M |
| Q2 2026 | 79.80% | 73.19% | $0 | $1.0M |
The State Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Exchange 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 The State Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13551) · FFIEC NIC profile (RSSD 354851)