The City National Bank and Trust Company of Lawton, Oklahoma: 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 Cash and noninterest-bearing balances to assets: 1.10 percentage points lower than in Q1 2026, at 11.31%. Within Oklahoma, The City National Bank and Trust Company of Lawton, Oklahoma is 73rd of 169 on loan-to-deposit ratio, 80.72% 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; The City National Bank and Trust Company of Lawton, Oklahoma reported 80.72% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.5M |
| Cash and noninterest-bearing balances to assets | 11.31% |
| Cash and securities | $115.1M |
| 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 | $2.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.72% |
| Net loans and leases to deposits | 79.18% |
| Loans and leases to core deposits | 86.04% |
| Core deposits to total deposits | 93.81% |
| 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 | 80.53% | 94.73% | $0 | $3.5M |
| Q4 2023 | 87.03% | 93.32% | $0 | $2.8M |
| Q1 2024 | 85.34% | 93.28% | $0 | $3.4M |
| Q2 2024 | 88.36% | 93.99% | $0 | $2.9M |
| Q3 2024 | 87.71% | 92.81% | $0 | $3.5M |
| Q4 2024 | 92.78% | 91.91% | $0 | $13.4M |
| Q1 2025 | 85.69% | 92.36% | $0 | $4.6M |
| Q2 2025 | 84.07% | 92.39% | $0 | $4.7M |
| Q3 2025 | 83.06% | 94.58% | $0 | $2.5M |
| Q4 2025 | 83.74% | 94.54% | $0 | $3.1M |
| Q1 2026 | 80.59% | 94.85% | $0 | $2.7M |
| Q2 2026 | 80.72% | 93.81% | $0 | $2.6M |
The City National Bank and Trust Company of Lawton, Oklahoma liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank and Trust Company of Lawton, Oklahoma, 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 City National Bank and Trust Company of Lawton, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4132) · FFIEC NIC profile (RSSD 294751)