The Peoples National Bank of Checotah: 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.
Core deposits to total deposits climbed 1.46 percentage points in Q2 2026, from 86.64% to 88.10%. It was the largest change from Q1 2026 among the key lines here. The Peoples National Bank of Checotah has the 9th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 33.10% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, The Peoples National Bank of Checotah reported 33.10% on loan-to-deposit ratio in Q2 2026, 47.85 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.5M |
| Fed funds sold and reverse repos | $6.3M |
| Fed funds sold and reverse repos to assets | 3.68% |
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 | 33.10% |
| Net loans and leases to deposits | 32.21% |
| Loans and leases to core deposits | 37.57% |
| Core deposits to total deposits | 88.10% |
| 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 | 34.88% | 93.11% | $0 | $0 |
| Q4 2023 | 35.40% | 93.45% | $0 | $0 |
| Q1 2024 | 34.13% | 93.44% | $0 | $0 |
| Q2 2024 | 33.99% | 91.40% | $0 | $0 |
| Q3 2024 | 35.35% | 90.86% | $0 | $0 |
| Q4 2024 | 35.66% | 90.94% | $0 | $0 |
| Q1 2025 | 32.69% | 91.53% | $0 | $0 |
| Q2 2025 | 33.98% | 89.13% | $0 | $0 |
| Q3 2025 | 36.11% | 90.33% | $0 | $0 |
| Q4 2025 | 34.33% | 88.39% | $0 | $0 |
| Q1 2026 | 32.95% | 86.64% | $0 | $0 |
| Q2 2026 | 33.10% | 88.10% | $0 | $0 |
The Peoples National Bank of Checotah liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples National Bank of Checotah, 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 The Peoples National Bank of Checotah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4059) · FFIEC NIC profile (RSSD 942454)