First Oklahoma Bank: 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: 65.2% higher than in Q1 2026, at $38.0M. Within Oklahoma, First Oklahoma Bank is 23rd of 169 on loan-to-deposit ratio, 97.58% as of Q2 2026, above the middle of the field. First Oklahoma Bank reported 97.58% on loan-to-deposit ratio for Q2 2026, 9.38 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $133.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $152.5M |
| 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 | 2.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.58% |
| Net loans and leases to deposits | 96.66% |
| Loans and leases to core deposits | 149.46% |
| Core deposits to total deposits | 65.27% |
| Brokered deposits to total deposits | 14.42% |
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 | 95.26% | 68.26% | $0 | $10.0M |
| Q4 2023 | 96.38% | 67.95% | $0 | $36.0M |
| Q1 2024 | 97.80% | 67.29% | $0 | $26.0M |
| Q2 2024 | 95.88% | 68.24% | $0 | $26.0M |
| Q3 2024 | 97.46% | 68.59% | $0 | $46.8M |
| Q4 2024 | 99.14% | 67.89% | $0 | $46.8M |
| Q1 2025 | 98.25% | 68.65% | $0 | $27.6M |
| Q2 2025 | 97.38% | 68.83% | $0 | $40.6M |
| Q3 2025 | 99.68% | 66.29% | $0 | $36.7M |
| Q4 2025 | 99.28% | 67.30% | $0 | $23.0M |
| Q1 2026 | 99.46% | 67.57% | $0 | $23.0M |
| Q2 2026 | 97.58% | 65.27% | $0 | $38.0M |
First Oklahoma Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Oklahoma Bank, 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 Oklahoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12484) · FFIEC NIC profile (RSSD 75259)