First National Bank and Trust Company of Ardmore: 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 73.4% in Q2 2026, from $32.0M to $8.5M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First National Bank and Trust Company of Ardmore is 106th of 169 on loan-to-deposit ratio, 71.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank and Trust Company of Ardmore sits 9.88 points lower, at 71.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $228.6M |
| Fed funds sold and reverse repos | $8.5M |
| Fed funds sold and reverse repos to assets | 1.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $25.4M |
| 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 | 71.06% |
| Net loans and leases to deposits | 70.11% |
| Loans and leases to core deposits | 76.96% |
| Core deposits to total deposits | 92.34% |
| 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 | 71.54% | 93.20% | $88.9M | $5.0M |
| Q4 2023 | 77.24% | 93.65% | $85.1M | $20.0M |
| Q1 2024 | 77.75% | 92.14% | $80.6M | $14.0M |
| Q2 2024 | 76.36% | 92.83% | $84.2M | $10.0M |
| Q3 2024 | 76.64% | 92.04% | $73.8M | $5.0M |
| Q4 2024 | 78.06% | 91.30% | $67.3M | $4.1M |
| Q1 2025 | 78.01% | 91.57% | $69.4M | $0 |
| Q2 2025 | 74.81% | 91.95% | $64.3M | $0 |
| Q3 2025 | 73.15% | 92.21% | $38.9M | $0 |
| Q4 2025 | 76.06% | 92.11% | $29.8M | $11.0M |
| Q1 2026 | 70.54% | 92.06% | $36.1M | $0 |
| Q2 2026 | 71.06% | 92.34% | $25.4M | $0 |
First National Bank and Trust Company of Ardmore liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company of Ardmore, 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 National Bank and Trust Company of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4037) · FFIEC NIC profile (RSSD 984258)