First United 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 Loans and leases to core deposits: 1.01 percentage points higher than in Q1 2026, at 104.68%. Within Oklahoma, First United Bank and Trust Company is 29th of 169 on loan-to-deposit ratio, 96.00% as of Q2 2026, above the middle of the field. First United Bank and Trust Company reported 96.00% on loan-to-deposit ratio for Q2 2026, 9.17 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $329.7M |
| Cash and noninterest-bearing balances to assets | 1.99% |
| Cash and securities | $2.58B |
| Fed funds sold and reverse repos | $47.0M |
| Fed funds sold and reverse repos to assets | 0.28% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $98.4M |
| Other borrowed money | $1.43B |
| Subordinated notes and debentures | $3.1M |
| Other borrowed money to assets | 8.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.00% |
| Net loans and leases to deposits | 95.04% |
| Loans and leases to core deposits | 104.68% |
| Core deposits to total deposits | 79.42% |
| Brokered deposits to total deposits | 12.29% |
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 | 97.74% | 79.74% | $75.5M | $1.77B |
| Q4 2023 | 98.19% | 79.00% | $66.1M | $1.92B |
| Q1 2024 | 98.75% | 76.80% | $46.8M | $1.98B |
| Q2 2024 | 104.90% | 78.63% | $42.4M | $2.74B |
| Q3 2024 | 103.38% | 78.52% | $37.2M | $2.50B |
| Q4 2024 | 100.58% | 77.25% | $32.2M | $2.16B |
| Q1 2025 | 100.56% | 77.54% | $36.7M | $2.10B |
| Q2 2025 | 101.24% | 78.67% | $32.7M | $2.23B |
| Q3 2025 | 100.38% | 78.12% | $51.4M | $1.99B |
| Q4 2025 | 96.10% | 79.16% | $97.5M | $1.36B |
| Q1 2026 | 95.40% | 79.68% | $94.2M | $1.32B |
| Q2 2026 | 96.00% | 79.42% | $98.4M | $1.43B |
First United 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 United 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 United Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4239) · FFIEC NIC profile (RSSD 509950)