The First National Bank and Trust Company of Miami: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 6.43 percentage points in Q2 2026, from 39.02% to 32.59%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First National Bank and Trust Company of Miami is 104th of 169 on total deposits, $162.6M as of Q2 2026, below the middle of the field. The First National Bank and Trust Company of Miami reported $162.6M on total deposits for Q2 2026, 41% below the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $162.6M |
| Domestic office deposits | $162.6M |
| Foreign office deposits | — |
| Deposits to total assets | 84.93% |
| Deposits to total liabilities | 99.10% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $62.6M |
| Savings deposits | $34.8M |
| Transaction accounts to domestic deposits | 69.41% |
| Time deposits | $4K |
| Time deposits under $100k | $3.8M |
| Time deposits $100k to $250k | $2.5M |
| Time deposits over $250k | $0 |
| Noninterest-bearing share of deposits | 32.59% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $152.6M |
| Core deposits to total deposits | 93.83% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $10.0M |
| Brokered deposits to total deposits | 6.17% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.35% |
| Interest expense on deposits | $369K |
| Loans and leases to core deposits | 83.49% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $198.4M | 99.67% | 0.00% | 0.20% |
| Q4 2023 | $192.5M | 99.53% | 0.00% | 0.22% |
| Q1 2024 | $194.5M | 99.72% | 0.00% | 0.21% |
| Q2 2024 | $186.0M | 99.22% | 0.00% | 0.22% |
| Q3 2024 | $176.1M | 99.17% | 0.00% | 0.20% |
| Q4 2024 | $175.7M | 99.16% | 0.00% | 0.27% |
| Q1 2025 | $179.8M | 99.69% | 0.00% | 0.23% |
| Q2 2025 | $179.0M | 99.82% | 0.00% | 0.95% |
| Q3 2025 | $182.8M | 99.83% | 0.00% | 1.06% |
| Q4 2025 | $179.6M | 97.48% | 2.78% | 1.05% |
| Q1 2026 | $178.0M | 94.38% | 5.62% | 1.18% |
| Q2 2026 | $162.6M | 93.83% | 6.17% | 1.35% |
The First National Bank and Trust Company of Miami deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank and Trust Company of Miami, freeSource: Call Report Schedules RC-E and RC-O, 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 The First National Bank and Trust Company of Miami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4148) · FFIEC NIC profile (RSSD 837158)