Welch State Bank of Welch, OKLA.: 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.
The standout move of Q2 2026 was in Other borrowed money: 48.7% lower than in Q1 2026, at $10.0M. Within Oklahoma, Welch State Bank of Welch, OKLA. is 80th of 169 on loan-to-deposit ratio, 79.61% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Welch State Bank of Welch, OKLA. reported 79.61% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.0M |
| Fed funds sold and reverse repos | $9.1M |
| Fed funds sold and reverse repos to assets | 2.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.61% |
| Net loans and leases to deposits | 78.36% |
| Loans and leases to core deposits | 94.88% |
| Core deposits to total deposits | 77.69% |
| Brokered deposits to total deposits | 16.29% |
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 | 78.71% | 83.31% | $0 | $21.0M |
| Q4 2023 | 74.28% | 80.07% | $0 | $16.0M |
| Q1 2024 | 73.86% | 82.58% | $0 | $26.0M |
| Q2 2024 | 77.65% | 83.07% | $0 | $26.0M |
| Q3 2024 | 76.60% | 79.85% | $0 | $16.0M |
| Q4 2024 | 79.02% | 81.02% | $0 | $16.0M |
| Q1 2025 | 77.08% | 79.59% | $0 | $16.0M |
| Q2 2025 | 80.46% | 79.71% | $0 | $16.5M |
| Q3 2025 | 82.31% | 79.67% | $0 | $21.5M |
| Q4 2025 | 82.39% | 78.10% | $1.7M | $19.5M |
| Q1 2026 | 81.83% | 81.11% | $0 | $19.5M |
| Q2 2026 | 79.61% | 77.69% | $0 | $10.0M |
Welch State Bank of Welch, OKLA. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Welch State Bank of Welch, OKLA., 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 Welch State Bank of Welch, OKLA. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9472) · FFIEC NIC profile (RSSD 416656)