First Security Bank and Trust Company: 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 Core deposits to total deposits: 9.45 percentage points lower than in Q1 2026, at 81.97%. Among 169 Oklahoma banks, First Security Bank and Trust Company sits 4th from the top on loan-to-deposit ratio, 110.32% as of Q2 2026. First Security Bank and Trust Company reported 110.32% on loan-to-deposit ratio for Q2 2026, 29.37 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.1M |
| Fed funds sold and reverse repos | $21.0M |
| Fed funds sold and reverse repos to assets | 9.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.32% |
| Net loans and leases to deposits | 108.04% |
| Loans and leases to core deposits | 122.02% |
| Core deposits to total deposits | 81.97% |
| Brokered deposits to total deposits | 8.57% |
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 | 155.25% | 92.74% | $0 | $19.7M |
| Q4 2023 | 144.01% | 90.81% | $0 | $25.3M |
| Q1 2024 | 153.41% | 92.77% | $0 | $24.8M |
| Q2 2024 | 144.13% | 90.50% | $0 | $24.0M |
| Q3 2024 | 142.67% | 84.21% | $0 | $32.5M |
| Q4 2024 | 148.09% | 85.90% | $0 | $44.4M |
| Q1 2025 | 116.08% | 90.42% | $0 | $20.4M |
| Q2 2025 | 118.44% | 91.80% | $0 | $27.0M |
| Q3 2025 | 111.51% | 90.16% | $0 | $26.0M |
| Q4 2025 | 103.55% | 90.14% | $0 | $21.0M |
| Q1 2026 | 105.62% | 91.42% | $0 | $21.0M |
| Q2 2026 | 110.32% | 81.97% | $0 | $20.4M |
First Security Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank and Trust Company, 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17001) · FFIEC NIC profile (RSSD 377850)