The First National Bank in Marlow: 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 Loans and leases to core deposits: 9.57 percentage points lower than in Q1 2026, at 72.78%. The First National Bank in Marlow ranks 116th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 68.27% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; The First National Bank in Marlow reported 68.27% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.3M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 2.26% |
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 | 68.27% |
| Net loans and leases to deposits | 66.65% |
| Loans and leases to core deposits | 72.78% |
| Core deposits to total deposits | 93.80% |
| 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 | 64.57% | 94.30% | $0 | $0 |
| Q4 2023 | 82.33% | 92.70% | $11.1M | $3.0M |
| Q1 2024 | 79.82% | 93.15% | $6.2M | $3.0M |
| Q2 2024 | 79.99% | 91.47% | $5.8M | $3.0M |
| Q3 2024 | 83.66% | 91.22% | $6.6M | $3.0M |
| Q4 2024 | 84.09% | 90.92% | $8.5M | $0 |
| Q1 2025 | 78.55% | 91.58% | $3.1M | $0 |
| Q2 2025 | 78.31% | 92.08% | $1.1M | $0 |
| Q3 2025 | 80.34% | 92.37% | $317K | $0 |
| Q4 2025 | 80.68% | 92.86% | $0 | $0 |
| Q1 2026 | 77.14% | 93.66% | $0 | $0 |
| Q2 2026 | 68.27% | 93.80% | $0 | $0 |
The First National Bank in Marlow liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Marlow, 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 First National Bank in Marlow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26260) · FFIEC NIC profile (RSSD 17259)