First 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.
Loan-to-deposit ratio fell 0.64 percentage points from Q1 2026 to Q2 2026, ending at 66.11% against 66.75%. It was the largest change among the key lines on this page. Within Oklahoma, First Bank is 121st of 169 on loan-to-deposit ratio, 66.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Bank sits 14.44 points lower, at 66.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.1M |
| 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 | $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 | 66.11% |
| Net loans and leases to deposits | 64.61% |
| Loans and leases to core deposits | 70.31% |
| Core deposits to total deposits | 94.03% |
| 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 | 75.18% | 97.64% | $0 | $0 |
| Q4 2023 | 83.86% | 97.17% | $0 | $0 |
| Q1 2024 | 77.22% | 97.93% | $0 | $0 |
| Q2 2024 | 74.30% | 97.90% | $0 | $0 |
| Q3 2024 | 73.56% | 95.71% | $0 | $0 |
| Q4 2024 | 74.25% | 95.63% | $0 | $0 |
| Q1 2025 | 62.75% | 95.83% | $0 | $0 |
| Q2 2025 | 60.89% | 95.15% | $0 | $0 |
| Q3 2025 | 62.48% | 93.78% | $0 | $0 |
| Q4 2025 | 68.48% | 93.55% | $0 | $0 |
| Q1 2026 | 66.75% | 94.30% | $0 | $0 |
| Q2 2026 | 66.11% | 94.03% | $0 | $0 |
First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4092) · FFIEC NIC profile (RSSD 280352)