First Bank and Trust Company: 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: 74.7% lower than in Q1 2026, at $513K. First Bank and Trust Company ranks 149th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 45.08% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Bank and Trust Company sits 22.54 points lower, at 45.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.3M |
| Fed funds sold and reverse repos | $513K |
| Fed funds sold and reverse repos to assets | 0.88% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.4M |
| 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 | 45.08% |
| Net loans and leases to deposits | 44.53% |
| Loans and leases to core deposits | 55.93% |
| Core deposits to total deposits | 80.60% |
| 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 | 46.83% | 95.37% | $7.2M | $0 |
| Q4 2023 | 43.18% | 94.70% | $5.3M | $0 |
| Q1 2024 | 45.15% | 89.06% | $3.6M | $0 |
| Q2 2024 | 44.97% | 88.87% | $3.9M | $0 |
| Q3 2024 | 43.19% | 89.15% | $4.7M | $0 |
| Q4 2024 | 45.68% | 88.15% | $4.4M | $0 |
| Q1 2025 | 44.19% | 90.34% | $2.3M | $0 |
| Q2 2025 | 42.78% | 90.21% | $2.5M | $0 |
| Q3 2025 | 43.41% | 90.11% | $2.6M | $0 |
| Q4 2025 | 48.25% | 89.41% | $2.3M | $1.0M |
| Q1 2026 | 43.17% | 81.97% | $2.7M | $0 |
| Q2 2026 | 45.08% | 80.60% | $2.4M | $0 |
First Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15348) · FFIEC NIC profile (RSSD 157856)