The First National Bank of Fletcher: 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 climbed 59.9% in Q2 2026, from $1.3M to $2.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Fletcher is 2nd from the bottom among 169 Oklahoma banks, 19.79% (Q2 2026). The First National Bank of Fletcher's loan-to-deposit ratio of 19.79% is well below the 67.92% median for banks in the < $100M asset tier, a gap of 48.13 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.2M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 8.73% |
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 | 19.79% |
| Net loans and leases to deposits | 18.61% |
| Loans and leases to core deposits | 19.79% |
| Core deposits to total deposits | 100.00% |
| 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 | 19.75% | 100.00% | $0 | $0 |
| Q4 2023 | 21.85% | 100.00% | $0 | $0 |
| Q1 2024 | 20.76% | 100.00% | $0 | $0 |
| Q2 2024 | 22.05% | 100.00% | $0 | $0 |
| Q3 2024 | 21.86% | 100.00% | $0 | $0 |
| Q4 2024 | 19.95% | 100.00% | $0 | $0 |
| Q1 2025 | 19.29% | 100.00% | $0 | $0 |
| Q2 2025 | 19.21% | 100.00% | $0 | $0 |
| Q3 2025 | 20.83% | 100.00% | $0 | $0 |
| Q4 2025 | 21.73% | 100.00% | $0 | $0 |
| Q1 2026 | 20.52% | 100.00% | $0 | $0 |
| Q2 2026 | 19.79% | 100.00% | $0 | $0 |
The First National Bank of Fletcher 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 of Fletcher, 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 of Fletcher profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4098) · FFIEC NIC profile (RSSD 185251)