Wisdom Heritage 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 250.0% higher than in Q1 2026, at $14.0M. Within Oklahoma, Wisdom Heritage Bank is 138th of 169 on loan-to-deposit ratio, 60.39% as of Q2 2026, below the middle of the field. Wisdom Heritage Bank reported 60.39% on loan-to-deposit ratio for Q2 2026, 20.56 points below 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 | $37.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $262.6M |
| 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 | $14.0M |
| Other borrowed money | $1.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.39% |
| Net loans and leases to deposits | 59.45% |
| Loans and leases to core deposits | 67.41% |
| Core deposits to total deposits | 80.87% |
| Brokered deposits to total deposits | 8.72% |
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 | 61.69% | 92.15% | $22.8M | $848K |
| Q4 2023 | 62.55% | 91.82% | $15.0M | $1.7M |
| Q1 2024 | 61.32% | 91.83% | $25.3M | $1.7M |
| Q2 2024 | 58.82% | 92.36% | $22.8M | $1.7M |
| Q3 2024 | 58.20% | 91.67% | $22.8M | $1.6M |
| Q4 2024 | 63.49% | 91.52% | $24.3M | $2.1M |
| Q1 2025 | 63.34% | 90.60% | $14.2M | $2.1M |
| Q2 2025 | 59.68% | 83.71% | $3.3M | $1.9M |
| Q3 2025 | 59.08% | 81.50% | $21.4M | $1.9M |
| Q4 2025 | 62.59% | 77.62% | $22.7M | $1.8M |
| Q1 2026 | 58.19% | 78.64% | $4.0M | $1.8M |
| Q2 2026 | 60.39% | 80.87% | $14.0M | $1.6M |
Wisdom Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wisdom Heritage 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 Wisdom Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9465) · FFIEC NIC profile (RSSD 246956)