First Fidelity Bank: 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 Fed funds sold and reverse repos: 79.1% lower than in Q1 2026, at $713K. First Fidelity Bank ranks 57th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 85.96% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First Fidelity Bank reported 85.96% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.5M |
| Cash and noninterest-bearing balances to assets | 2.44% |
| Cash and securities | $701.8M |
| Fed funds sold and reverse repos | $713K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $214.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.20% |
| Trading liabilities | $915K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.96% |
| Net loans and leases to deposits | 84.94% |
| Loans and leases to core deposits | 90.42% |
| Core deposits to total deposits | 94.22% |
| Brokered deposits to total deposits | 0.84% |
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 | 77.06% | 95.74% | $0 | $190.0M |
| Q4 2023 | 80.47% | 95.67% | $0 | $240.0M |
| Q1 2024 | 79.63% | 95.38% | $0 | $205.5M |
| Q2 2024 | 80.36% | 94.77% | $0 | $206.7M |
| Q3 2024 | 79.41% | 94.39% | $0 | $160.0M |
| Q4 2024 | 83.09% | 94.18% | $0 | $224.0M |
| Q1 2025 | 79.57% | 94.06% | $0 | $160.0M |
| Q2 2025 | 78.36% | 94.15% | $0 | $160.0M |
| Q3 2025 | 82.60% | 93.99% | $0 | $160.0M |
| Q4 2025 | 86.29% | 93.96% | $0 | $223.7M |
| Q1 2026 | 84.19% | 94.10% | $0 | $170.0M |
| Q2 2026 | 85.96% | 94.22% | $0 | $214.4M |
First Fidelity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23473) · FFIEC NIC profile (RSSD 106359)