First Bethany Bank & Trust: 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.
Fed funds sold and reverse repos dropped 26.8% in Q2 2026, from $18.2M to $13.3M. It was the largest change from Q1 2026 among the key lines here. First Bethany Bank & Trust ranks 101st of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 72.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Bethany Bank & Trust sits 7.81 points lower, at 72.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.5M |
| Fed funds sold and reverse repos | $13.3M |
| Fed funds sold and reverse repos to assets | 4.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $21.1M |
| Other borrowed money | $1.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.75% |
| Net loans and leases to deposits | 72.05% |
| Loans and leases to core deposits | 84.68% |
| Core deposits to total deposits | 85.91% |
| 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 | 66.34% | 87.64% | $32.7M | $4.5M |
| Q4 2023 | 69.29% | 86.99% | $26.3M | $7.5M |
| Q1 2024 | 65.13% | 87.75% | $26.2M | $2.4M |
| Q2 2024 | 63.56% | 86.39% | $29.0M | $2.3M |
| Q3 2024 | 68.77% | 85.39% | $32.8M | $2.3M |
| Q4 2024 | 67.12% | 84.77% | $19.2M | $2.2M |
| Q1 2025 | 66.36% | 85.78% | $24.6M | $2.1M |
| Q2 2025 | 68.70% | 85.52% | $26.8M | $2.0M |
| Q3 2025 | 67.31% | 85.54% | $24.7M | $2.0M |
| Q4 2025 | 73.86% | 85.32% | $20.4M | $1.9M |
| Q1 2026 | 70.82% | 85.72% | $22.9M | $1.8M |
| Q2 2026 | 72.75% | 85.91% | $21.1M | $1.8M |
First Bethany Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bethany Bank & Trust, 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 Bethany Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4228) · FFIEC NIC profile (RSSD 988452)