The Bank of Grain Valley: 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.
Cash and balances due from depository institutions dropped 14.8% in Q3 2026, from $22.8M to $19.4M. It was the largest change from Q2 2026 among the key lines here. Within Missouri, The Bank of Grain Valley is 121st of 192 on loan-to-deposit ratio, 78.71% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Bank of Grain Valley reported 78.71% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.71% |
| Net loans and leases to deposits | 77.51% |
| Loans and leases to core deposits | 80.57% |
| Core deposits to total deposits | 97.69% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 77.52% | 99.06% | $0 | $0 |
| Q1 2024 | 81.67% | 99.00% | $0 | $0 |
| Q2 2024 | 78.61% | 99.02% | $0 | $0 |
| Q3 2024 | 78.33% | 98.66% | $0 | $0 |
| Q4 2024 | 77.14% | 98.37% | $0 | $0 |
| Q1 2025 | 79.27% | 98.37% | $0 | $0 |
| Q2 2025 | 79.84% | 98.31% | $0 | $0 |
| Q3 2025 | 88.15% | 98.22% | $0 | $0 |
| Q4 2025 | 82.13% | 98.29% | $0 | $0 |
| Q1 2026 | 90.12% | 97.55% | $0 | $0 |
| Q2 2026 | 78.26% | 97.74% | $0 | $0 |
| Q3 2026 | 78.71% | 97.69% | $0 | $0 |
The Bank of Grain Valley liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Grain Valley, 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 Bank of Grain Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8564) · FFIEC NIC profile (RSSD 956554)