First Bank of Thomas: 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 dropped 7.30 percentage points in Q2 2026, from 57.59% to 50.28%. It was the largest change from Q1 2026 among the key lines here. First Bank of Thomas ranks 146th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 50.28% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Bank of Thomas sits 17.34 points lower, at 50.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.1M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 6.09% |
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 | 50.28% |
| Net loans and leases to deposits | 49.33% |
| Loans and leases to core deposits | 56.46% |
| Core deposits to total deposits | 89.06% |
| 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 | 50.29% | 94.24% | $0 | $0 |
| Q4 2023 | 58.39% | 93.90% | $0 | $0 |
| Q1 2024 | 57.14% | 93.63% | $0 | $0 |
| Q2 2024 | 57.41% | 93.56% | $0 | $0 |
| Q3 2024 | 56.52% | 93.28% | $0 | $0 |
| Q4 2024 | 57.70% | 93.06% | $0 | $0 |
| Q1 2025 | 55.66% | 93.47% | $0 | $0 |
| Q2 2025 | 55.55% | 93.72% | $0 | $0 |
| Q3 2025 | 64.15% | 92.84% | $0 | $0 |
| Q4 2025 | 66.75% | 92.71% | $0 | $0 |
| Q1 2026 | 57.59% | 91.29% | $0 | $0 |
| Q2 2026 | 50.28% | 89.06% | $0 | $0 |
First Bank of Thomas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Thomas, 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 of Thomas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4209) · FFIEC NIC profile (RSSD 328058)