First National Bank of Oklahoma: 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 Other borrowed money: 81.0% higher than in Q1 2026, at $38.0M. Within Oklahoma, First National Bank of Oklahoma is 39th of 169 on loan-to-deposit ratio, 93.13% as of Q2 2026, above 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 of Oklahoma sits 12.19 points higher, at 93.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $111.4M |
| Cash and noninterest-bearing balances to assets | 11.73% |
| Cash and securities | $169.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $38.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.13% |
| Net loans and leases to deposits | 91.95% |
| Loans and leases to core deposits | 107.03% |
| Core deposits to total deposits | 86.56% |
| Brokered deposits to total deposits | 15.93% |
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 | 91.23% | 90.05% | $0 | $24.5M |
| Q4 2023 | 91.05% | 89.56% | $0 | $22.5M |
| Q1 2024 | 91.04% | 88.99% | $0 | $24.0M |
| Q2 2024 | 94.77% | 87.71% | $0 | $31.0M |
| Q3 2024 | 93.30% | 86.66% | $0 | $27.5M |
| Q4 2024 | 93.92% | 86.45% | $0 | $24.0M |
| Q1 2025 | 92.17% | 86.96% | $0 | $20.0M |
| Q2 2025 | 92.28% | 86.14% | $0 | $15.0M |
| Q3 2025 | 91.47% | 85.90% | $0 | $15.0M |
| Q4 2025 | 91.18% | 84.63% | $0 | $21.0M |
| Q1 2026 | 92.06% | 86.03% | $0 | $21.0M |
| Q2 2026 | 93.13% | 86.56% | $0 | $38.0M |
First National Bank of Oklahoma 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 of Oklahoma, 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 of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4211) · FFIEC NIC profile (RSSD 525053)