FSNB, N.A.: 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.
Other borrowed money climbed 365.7% in Q2 2026, from $3.0M to $14.1M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, FSNB, N.A. is 16th from the bottom among 169 Oklahoma banks, 39.86% (Q2 2026). FSNB, N.A.'s loan-to-deposit ratio of 39.86% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 40.98 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.7M |
| Cash and noninterest-bearing balances to assets | 5.58% |
| Cash and securities | $294.6M |
| 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 | $14.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.86% |
| Net loans and leases to deposits | 39.17% |
| Loans and leases to core deposits | 40.01% |
| Core deposits to total deposits | 99.62% |
| 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 | 40.41% | 99.37% | $0 | $5.0M |
| Q4 2023 | 40.37% | 99.84% | $0 | $3.9M |
| Q1 2024 | 40.90% | 99.72% | $0 | $4.4M |
| Q2 2024 | 41.16% | 99.72% | $0 | $3.4M |
| Q3 2024 | 43.61% | 99.70% | $0 | $11.7M |
| Q4 2024 | 42.10% | 99.72% | $0 | $3.1M |
| Q1 2025 | 40.55% | 99.72% | $0 | $4.7M |
| Q2 2025 | 41.70% | 99.71% | $0 | $23.4M |
| Q3 2025 | 41.70% | 99.71% | $0 | $20.5M |
| Q4 2025 | 37.03% | 99.72% | $0 | $3.6M |
| Q1 2026 | 38.37% | 99.72% | $0 | $3.0M |
| Q2 2026 | 39.86% | 99.62% | $0 | $14.1M |
FSNB, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FSNB, N.A., 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 FSNB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16416) · FFIEC NIC profile (RSSD 125154)