Gateway First 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.
Loans and leases to core deposits dropped 6.69 percentage points in Q2 2026, from 175.13% to 168.44%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Gateway First Bank ranks 2nd highest among the 169 banks headquartered in Oklahoma, at 124.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Gateway First Bank sits 36.12 points higher, at 124.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $139.9M |
| Cash and noninterest-bearing balances to assets | 6.78% |
| Cash and securities | $280.8M |
| Fed funds sold and reverse repos | $88K |
| 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 | $408.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 19.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 124.32% |
| Net loans and leases to deposits | 123.41% |
| Loans and leases to core deposits | 168.44% |
| Core deposits to total deposits | 73.81% |
| Brokered deposits to total deposits | 20.24% |
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 | 125.89% | 76.76% | $0 | $530.0M |
| Q4 2023 | 142.30% | 72.26% | $0 | $656.2M |
| Q1 2024 | 129.72% | 75.84% | $0 | $577.4M |
| Q2 2024 | 119.03% | 79.78% | $0 | $419.4M |
| Q3 2024 | 117.43% | 75.11% | $0 | $363.6M |
| Q4 2024 | 132.36% | 72.49% | $0 | $452.0M |
| Q1 2025 | 119.91% | 72.06% | $0 | $341.8M |
| Q2 2025 | 125.43% | 73.83% | $0 | $410.2M |
| Q3 2025 | 122.65% | 67.75% | $0 | $373.0M |
| Q4 2025 | 126.60% | 67.65% | $0 | $432.5M |
| Q1 2026 | 124.87% | 71.30% | $0 | $413.4M |
| Q2 2026 | 124.32% | 73.81% | $0 | $408.7M |
Gateway First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway First 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 Gateway First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15118) · FFIEC NIC profile (RSSD 3851427)