First Bank & 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 Loans and leases to core deposits: 5.92 percentage points lower than in Q1 2026, at 97.44%. Within Oklahoma, First Bank & Trust Company is 51st of 169 on loan-to-deposit ratio, 88.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank & Trust Company sits 7.70 points higher, at 88.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $224.1M |
| Fed funds sold and reverse repos | $33.0M |
| Fed funds sold and reverse repos to assets | 3.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $38K |
| 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 | 88.54% |
| Net loans and leases to deposits | 87.38% |
| Loans and leases to core deposits | 97.44% |
| Core deposits to total deposits | 90.87% |
| 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 | 101.57% | 91.55% | $20.0M | $202K |
| Q4 2023 | 101.60% | 90.20% | $20.0M | $188K |
| Q1 2024 | 97.44% | 89.00% | $20.0M | $174K |
| Q2 2024 | 96.70% | 88.66% | $0 | $159K |
| Q3 2024 | 96.11% | 88.48% | $0 | $145K |
| Q4 2024 | 88.19% | 87.22% | $0 | $130K |
| Q1 2025 | 87.67% | 90.47% | $0 | $115K |
| Q2 2025 | 92.62% | 90.73% | $0 | $100K |
| Q3 2025 | 93.27% | 90.91% | $0 | $84K |
| Q4 2025 | 93.36% | 90.55% | $0 | $69K |
| Q1 2026 | 93.55% | 90.52% | $0 | $53K |
| Q2 2026 | 88.54% | 90.87% | $0 | $38K |
First Bank & 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 & 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27394) · FFIEC NIC profile (RSSD 1228034)