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.
Cash and balances due from depository institutions dropped 44.5% in Q2 2026, from $20.7M to $11.5M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Bank & Trust Company is 122nd of 169 on loan-to-deposit ratio, 65.63% as of Q2 2026, below the middle of the field. First Bank & Trust Company reported 65.63% on loan-to-deposit ratio for Q2 2026, 15.31 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.3M |
| Fed funds sold and reverse repos | $736K |
| Fed funds sold and reverse repos to assets | 0.29% |
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 | 65.63% |
| Net loans and leases to deposits | 65.12% |
| Loans and leases to core deposits | 71.27% |
| Core deposits to total deposits | 92.09% |
| 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 | 62.54% | 96.13% | $0 | $0 |
| Q4 2023 | 66.04% | 95.69% | $0 | $5.5M |
| Q1 2024 | 67.98% | 95.33% | $0 | $5.5M |
| Q2 2024 | 68.90% | 95.52% | $0 | $5.5M |
| Q3 2024 | 66.51% | 94.87% | $0 | $0 |
| Q4 2024 | 67.18% | 94.15% | $0 | $0 |
| Q1 2025 | 65.01% | 92.47% | $0 | $0 |
| Q2 2025 | 65.73% | 91.67% | $0 | $0 |
| Q3 2025 | 67.18% | 91.35% | $0 | $0 |
| Q4 2025 | 67.53% | 91.07% | $0 | $0 |
| Q1 2026 | 64.11% | 91.92% | $0 | $0 |
| Q2 2026 | 65.63% | 92.09% | $0 | $0 |
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 13946) · FFIEC NIC profile (RSSD 640956)