FNB Community 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 dropped 89.3% in Q2 2026, from $15.2M to $1.6M. It was the largest change from Q1 2026 among the key lines here. FNB Community Bank ranks 108th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 70.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. FNB Community Bank sits 10.23 points lower, at 70.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.8M |
| Cash and noninterest-bearing balances to assets | 4.62% |
| Cash and securities | $156.2M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.34% |
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 | 70.71% |
| Net loans and leases to deposits | 69.41% |
| Loans and leases to core deposits | 72.52% |
| Core deposits to total deposits | 97.50% |
| 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 | 66.38% | 97.35% | $45.6M | $0 |
| Q4 2023 | 63.95% | 97.48% | $43.4M | $0 |
| Q1 2024 | 62.99% | 97.18% | $46.3M | $0 |
| Q2 2024 | 66.21% | 97.10% | $51.3M | $0 |
| Q3 2024 | 70.87% | 97.29% | $1.2M | $17.9M |
| Q4 2024 | 68.93% | 97.34% | $1.5M | $0 |
| Q1 2025 | 61.80% | 97.79% | $0 | $0 |
| Q2 2025 | 62.30% | 97.75% | $0 | $0 |
| Q3 2025 | 64.13% | 97.51% | $0 | $0 |
| Q4 2025 | 66.03% | 97.54% | $0 | $0 |
| Q1 2026 | 64.13% | 97.59% | $0 | $0 |
| Q2 2026 | 70.71% | 97.50% | $0 | $0 |
FNB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Community 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 FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16127) · FFIEC NIC profile (RSSD 839255)