BancFirst: 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.
Cash and noninterest-bearing balances to assets dropped 2.25 percentage points in Q2 2026, from 32.48% to 30.23%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, BancFirst is 125th of 169 on loan-to-deposit ratio, 64.65% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. BancFirst sits 22.22 points lower, at 64.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.87B |
| Cash and noninterest-bearing balances to assets | 30.23% |
| Cash and securities | $4.89B |
| 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 | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.65% |
| Net loans and leases to deposits | 63.83% |
| Loans and leases to core deposits | 67.68% |
| Core deposits to total deposits | 95.53% |
| 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 | 70.12% | 98.43% | $1.5M | $0 |
| Q4 2023 | 70.09% | 98.27% | $2.5M | $0 |
| Q1 2024 | 70.07% | 97.79% | $8.0M | $0 |
| Q2 2024 | 71.83% | 97.45% | $3.1M | $0 |
| Q3 2024 | 70.38% | 96.60% | $2.9M | $0 |
| Q4 2024 | 66.16% | 96.52% | $0 | $0 |
| Q1 2025 | 64.80% | 96.44% | $0 | $0 |
| Q2 2025 | 64.87% | 96.14% | $5.9M | $0 |
| Q3 2025 | 66.33% | 95.80% | $11.7M | $0 |
| Q4 2025 | 64.88% | 95.35% | $10.0M | $0 |
| Q1 2026 | 63.82% | 95.49% | $9.0M | $6.0M |
| Q2 2026 | 64.65% | 95.53% | $0 | $6.0M |
BancFirst liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BancFirst, 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 BancFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27476) · FFIEC NIC profile (RSSD 1386251)