Oklahoma 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 Core deposits to total deposits: 4.72 percentage points lower than in Q1 2026, at 82.87%. Oklahoma Bank and Trust Company has the 17th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 40.00% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, Oklahoma Bank and Trust Company reported 40.00% on loan-to-deposit ratio in Q2 2026, 40.95 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.6M |
| 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 | $1.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.00% |
| Net loans and leases to deposits | 38.96% |
| Loans and leases to core deposits | 48.26% |
| Core deposits to total deposits | 82.87% |
| 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 | 45.08% | 87.35% | $0 | $2.0M |
| Q4 2023 | 45.12% | 90.06% | $0 | $1.9M |
| Q1 2024 | 47.26% | 89.64% | $0 | $1.8M |
| Q2 2024 | 45.63% | 88.71% | $0 | $1.8M |
| Q3 2024 | 45.43% | 88.93% | $0 | $1.7M |
| Q4 2024 | 39.96% | 89.65% | $0 | $1.6M |
| Q1 2025 | 43.90% | 89.76% | $0 | $1.6M |
| Q2 2025 | 43.20% | 88.93% | $0 | $1.5M |
| Q3 2025 | 46.38% | 85.99% | $0 | $1.5M |
| Q4 2025 | 42.04% | 87.76% | $0 | $1.4M |
| Q1 2026 | 42.59% | 87.59% | $0 | $1.4M |
| Q2 2026 | 40.00% | 82.87% | $0 | $1.3M |
Oklahoma 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 Oklahoma 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 Oklahoma Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4067) · FFIEC NIC profile (RSSD 159953)