First American 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 sold and reverse repos to assets: 3.82 percentage points lower than in Q1 2026, at 9.55%. Within Oklahoma, First American Bank is 99th of 169 on loan-to-deposit ratio, 73.38% as of Q2 2026, below the middle of the field. First American Bank reported 73.38% on loan-to-deposit ratio for Q2 2026, 5.75 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.0M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 9.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.38% |
| Net loans and leases to deposits | 71.84% |
| Loans and leases to core deposits | 82.99% |
| Core deposits to total deposits | 88.41% |
| Brokered deposits to total deposits | 5.08% |
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 | 77.39% | 93.94% | $0 | $0 |
| Q4 2023 | 80.21% | 93.83% | $0 | $0 |
| Q1 2024 | 77.38% | 94.28% | $0 | $0 |
| Q2 2024 | 82.56% | 93.85% | $0 | $0 |
| Q3 2024 | 82.19% | 92.20% | $0 | $0 |
| Q4 2024 | 85.58% | 91.85% | $0 | $0 |
| Q1 2025 | 74.09% | 91.36% | $0 | $0 |
| Q2 2025 | 73.92% | 89.48% | $0 | $0 |
| Q3 2025 | 71.94% | 88.96% | $0 | $0 |
| Q4 2025 | 74.12% | 88.75% | $0 | $0 |
| Q1 2026 | 71.83% | 89.17% | $0 | $0 |
| Q2 2026 | 73.38% | 88.41% | $0 | $0 |
First American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15762) · FFIEC NIC profile (RSSD 321255)