Vision 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.
Fed funds sold and reverse repos climbed 34.0% in Q2 2026, from $35.0M to $47.0M. It was the largest change from Q1 2026 among the key lines here. Vision Bank ranks 61st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 84.38% (Q2 2026). Vision Bank reported 84.38% on loan-to-deposit ratio for Q2 2026, 3.44 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $67.2M |
| Cash and noninterest-bearing balances to assets | 2.03% |
| Cash and securities | $256.5M |
| Fed funds sold and reverse repos | $47.0M |
| Fed funds sold and reverse repos to assets | 4.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $82.2M |
| Other borrowed money | $61K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.38% |
| Net loans and leases to deposits | 82.91% |
| Loans and leases to core deposits | 96.28% |
| Core deposits to total deposits | 87.64% |
| 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 | 83.54% | 90.26% | $68.9M | $1.2M |
| Q4 2023 | 83.37% | 91.05% | $63.8M | $1.1M |
| Q1 2024 | 81.10% | 89.69% | $68.5M | $974K |
| Q2 2024 | 79.32% | 87.36% | $77.0M | $873K |
| Q3 2024 | 85.47% | 89.94% | $81.4M | $771K |
| Q4 2024 | 85.31% | 88.75% | $96.7M | $668K |
| Q1 2025 | 87.27% | 90.83% | $90.0M | $563K |
| Q2 2025 | 89.99% | 89.42% | $94.1M | $457K |
| Q3 2025 | 90.01% | 89.10% | $87.1M | $349K |
| Q4 2025 | 89.08% | 88.69% | $86.7M | $240K |
| Q1 2026 | 85.57% | 88.69% | $80.5M | $151K |
| Q2 2026 | 84.38% | 87.64% | $82.2M | $61K |
Vision Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vision 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 Vision Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4029) · FFIEC NIC profile (RSSD 241157)