First Texoma National 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 Loan-to-deposit ratio: 0.95 percentage points lower than in Q1 2026, at 75.25%. Within Oklahoma, First Texoma National Bank is 93rd of 169 on loan-to-deposit ratio, 75.25% as of Q2 2026, below the middle of the field. First Texoma National Bank reported 75.25% on loan-to-deposit ratio for Q2 2026, 5.69 points below 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 | $12.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.5M |
| 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 | $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 | 75.25% |
| Net loans and leases to deposits | 74.23% |
| Loans and leases to core deposits | 84.22% |
| Core deposits to total deposits | 89.35% |
| 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 | 78.04% | 91.40% | $0 | $0 |
| Q4 2023 | 77.72% | 90.62% | $2.0M | $0 |
| Q1 2024 | 76.74% | 89.45% | $0 | $0 |
| Q2 2024 | 76.23% | 88.89% | $0 | $0 |
| Q3 2024 | 74.45% | 87.92% | $0 | $0 |
| Q4 2024 | 74.60% | 90.09% | $0 | $0 |
| Q1 2025 | 73.91% | 88.76% | $0 | $0 |
| Q2 2025 | 74.62% | 89.35% | $0 | $0 |
| Q3 2025 | 78.61% | 89.22% | $0 | $2.2M |
| Q4 2025 | 77.40% | 89.32% | $0 | $0 |
| Q1 2026 | 76.20% | 89.81% | $0 | $0 |
| Q2 2026 | 75.25% | 89.35% | $0 | $0 |
First Texoma National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texoma National 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 Texoma National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13905) · FFIEC NIC profile (RSSD 388155)