First Summit 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.
Fed funds sold and reverse repos to assets climbed 1.51 percentage points in Q2 2026, from 12.31% to 13.82%. It was the largest change from Q1 2026 among the key lines here. First Summit Bank ranks 131st of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 62.30% (Q2 2026). First Summit Bank reported 62.30% on loan-to-deposit ratio for Q2 2026, 5.02 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.8M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 13.82% |
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 | 62.30% |
| Net loans and leases to deposits | 61.34% |
| Loans and leases to core deposits | 72.91% |
| Core deposits to total deposits | 85.45% |
| 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 | 76.95% | 95.33% | $0 | $0 |
| Q4 2023 | 76.65% | 92.89% | $0 | $0 |
| Q1 2024 | 72.42% | 91.88% | $0 | $0 |
| Q2 2024 | 71.97% | 90.74% | $0 | $0 |
| Q3 2024 | 71.84% | 89.18% | $0 | $0 |
| Q4 2024 | 66.53% | 89.59% | $0 | $0 |
| Q1 2025 | 63.37% | 89.44% | $0 | $0 |
| Q2 2025 | 62.63% | 83.33% | $0 | $0 |
| Q3 2025 | 60.74% | 85.06% | $0 | $0 |
| Q4 2025 | 61.43% | 81.06% | $0 | $0 |
| Q1 2026 | 61.68% | 85.91% | $0 | $0 |
| Q2 2026 | 62.30% | 85.45% | $0 | $0 |
First Summit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Summit 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 Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 399) · FFIEC NIC profile (RSSD 514356)