Security 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.
Fed funds sold and reverse repos climbed 167.1% in Q2 2026, from $2.5M to $6.7M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Security Bank and Trust Company is 32nd of 169 on loan-to-deposit ratio, 94.55% as of Q2 2026, above the middle of the field. Security Bank and Trust Company reported 94.55% on loan-to-deposit ratio for Q2 2026, 13.71 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.5M |
| Fed funds sold and reverse repos | $6.7M |
| Fed funds sold and reverse repos to assets | 4.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.55% |
| Net loans and leases to deposits | 93.11% |
| Loans and leases to core deposits | 103.68% |
| Core deposits to total deposits | 78.43% |
| Brokered deposits to total deposits | 20.35% |
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 | 87.25% | 82.26% | $0 | $0 |
| Q4 2023 | 91.00% | 78.11% | $2.2M | $5.0M |
| Q1 2024 | 88.66% | 78.28% | $0 | $5.0M |
| Q2 2024 | 89.14% | 78.61% | $2.6M | $0 |
| Q3 2024 | 90.59% | 77.37% | $0 | $5.0M |
| Q4 2024 | 89.87% | 76.15% | $0 | $3.0M |
| Q1 2025 | 89.47% | 75.91% | $0 | $2.5M |
| Q2 2025 | 93.25% | 79.44% | $0 | $6.0M |
| Q3 2025 | 87.45% | 84.16% | $0 | $0 |
| Q4 2025 | 93.43% | 87.39% | $0 | $8.1M |
| Q1 2026 | 94.66% | 87.10% | $0 | $5.5M |
| Q2 2026 | 94.55% | 78.43% | $0 | $8.0M |
Security 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 Security 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9881) · FFIEC NIC profile (RSSD 19356)