The First Bank of Okarche: 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 Q3 2026 was in Loans and leases to core deposits: 4.45 percentage points lower than in Q2 2026, at 38.14%. The First Bank of Okarche has the 10th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 34.01% as of Q3 2026. The First Bank of Okarche's loan-to-deposit ratio of 34.01% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 46.94 points (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 34.01% |
| Net loans and leases to deposits | 33.03% |
| Loans and leases to core deposits | 38.14% |
| Core deposits to total deposits | 89.15% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 41.00% | 96.03% | $0 | $0 |
| Q1 2024 | 42.19% | 95.96% | $0 | $0 |
| Q2 2024 | 35.85% | 93.10% | $0 | $0 |
| Q3 2024 | 34.62% | 92.63% | $0 | $0 |
| Q4 2024 | 43.09% | 92.92% | $0 | $0 |
| Q1 2025 | 43.99% | 92.72% | $0 | $0 |
| Q2 2025 | 37.50% | 92.80% | $0 | $0 |
| Q3 2025 | 37.40% | 91.46% | $0 | $0 |
| Q4 2025 | 51.34% | 89.96% | $0 | $0 |
| Q1 2026 | 47.45% | 89.72% | $0 | $0 |
| Q2 2026 | 37.92% | 89.03% | $0 | $0 |
| Q3 2026 | 34.01% | 89.15% | $0 | $0 |
The First Bank of Okarche liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Okarche, 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 First Bank of Okarche profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1165) · FFIEC NIC profile (RSSD 918150)