The First National Bank and Trust Company of Miami: 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: 138.0% higher than in Q1 2026, at $4.7M. The First National Bank and Trust Company of Miami ranks 66th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 83.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First National Bank and Trust Company of Miami sits 2.54 points higher, at 83.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.5M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 2.47% |
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 | 83.49% |
| Net loans and leases to deposits | 82.44% |
| Loans and leases to core deposits | 83.49% |
| Core deposits to total deposits | 93.83% |
| Brokered deposits to total deposits | 6.17% |
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 | 46.47% | 99.67% | $0 | $0 |
| Q4 2023 | 51.89% | 99.53% | $0 | $0 |
| Q1 2024 | 53.60% | 99.72% | $0 | $0 |
| Q2 2024 | 58.43% | 99.22% | $0 | $0 |
| Q3 2024 | 58.37% | 99.17% | $0 | $0 |
| Q4 2024 | 64.53% | 99.16% | $0 | $0 |
| Q1 2025 | 65.03% | 99.69% | $0 | $0 |
| Q2 2025 | 69.55% | 99.82% | $0 | $0 |
| Q3 2025 | 66.61% | 99.83% | $0 | $0 |
| Q4 2025 | 72.79% | 97.48% | $0 | $0 |
| Q1 2026 | 77.87% | 94.38% | $0 | $0 |
| Q2 2026 | 83.49% | 93.83% | $0 | $0 |
The First National Bank and Trust Company of Miami liquidity and borrowings, all the way back
Liquidity and Borrowings 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 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 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)