First National Bank & Trust Company of McAlester: 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 Cash and balances due from depository institutions: 15.7% lower than in Q1 2026, at $15.4M. First National Bank & Trust Company of McAlester ranks 112th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 69.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank & Trust Company of McAlester sits 11.42 points lower, at 69.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $197.9M |
| 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 | $4.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.41% |
| Net loans and leases to deposits | 68.47% |
| Loans and leases to core deposits | 79.34% |
| Core deposits to total deposits | 87.49% |
| 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 | 74.29% | 91.37% | $0 | $7.6M |
| Q4 2023 | 74.11% | 89.96% | $0 | $23.8M |
| Q1 2024 | 73.45% | 88.71% | $0 | $23.8M |
| Q2 2024 | 73.08% | 87.43% | $0 | $19.3M |
| Q3 2024 | 72.28% | 86.94% | $0 | $11.3M |
| Q4 2024 | 72.17% | 87.00% | $0 | $5.3M |
| Q1 2025 | 71.45% | 87.66% | $0 | $0 |
| Q2 2025 | 68.66% | 87.41% | $0 | $0 |
| Q3 2025 | 69.42% | 87.30% | $0 | $0 |
| Q4 2025 | 71.04% | 87.21% | $0 | $0 |
| Q1 2026 | 70.12% | 87.73% | $0 | $0 |
| Q2 2026 | 69.41% | 87.49% | $0 | $4.6M |
First National Bank & Trust Company of McAlester 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 & Trust Company of McAlester, 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 & Trust Company of McAlester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4145) · FFIEC NIC profile (RSSD 830355)