First National Bank & Trust, Elk City, 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 Cash and balances due from depository institutions: 35.6% higher than in Q1 2026, at $29.8M. Within Oklahoma, First National Bank & Trust, Elk City, Oklahoma is 141st of 169 on loan-to-deposit ratio, 58.25% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank & Trust, Elk City, Oklahoma sits 22.59 points lower, at 58.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $135.4M |
| Fed funds sold and reverse repos | $982K |
| Fed funds sold and reverse repos to assets | 0.33% |
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 | 58.25% |
| Net loans and leases to deposits | 57.09% |
| Loans and leases to core deposits | 68.87% |
| Core deposits to total deposits | 84.59% |
| 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 | 50.40% | 92.10% | $0 | $0 |
| Q4 2023 | 50.24% | 90.54% | $0 | $0 |
| Q1 2024 | 49.97% | 87.94% | $0 | $0 |
| Q2 2024 | 51.19% | 87.54% | $0 | $0 |
| Q3 2024 | 52.53% | 87.10% | $0 | $0 |
| Q4 2024 | 54.11% | 84.98% | $0 | $0 |
| Q1 2025 | 56.48% | 86.12% | $0 | $0 |
| Q2 2025 | 57.33% | 86.03% | $0 | $0 |
| Q3 2025 | 60.84% | 85.01% | $0 | $0 |
| Q4 2025 | 61.87% | 84.20% | $0 | $0 |
| Q1 2026 | 60.94% | 84.48% | $0 | $0 |
| Q2 2026 | 58.25% | 84.59% | $0 | $0 |
First National Bank & Trust, Elk City, 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 & Trust, Elk City, 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 & Trust, Elk City, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4086) · FFIEC NIC profile (RSSD 114457)