Bank of Grand Lake: 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 Cash and balances due from depository institutions: 43.5% higher than in Q1 2026, at $21.5M. Within Oklahoma, Bank of Grand Lake is 105th of 169 on loan-to-deposit ratio, 71.53% as of Q2 2026, below the middle of the field. Bank of Grand Lake reported 71.53% on loan-to-deposit ratio for Q2 2026, 9.31 points below 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 | $21.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.2M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.53% |
| Net loans and leases to deposits | 71.09% |
| Loans and leases to core deposits | 82.81% |
| Core deposits to total deposits | 83.75% |
| Brokered deposits to total deposits | 2.62% |
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 | 66.01% | 88.25% | $0 | $10.0M |
| Q4 2023 | 70.64% | 87.19% | $0 | $10.0M |
| Q1 2024 | 65.59% | 86.87% | $0 | $0 |
| Q2 2024 | 64.69% | 90.73% | $0 | $0 |
| Q3 2024 | 65.74% | 89.26% | $0 | $0 |
| Q4 2024 | 68.33% | 88.12% | $0 | $0 |
| Q1 2025 | 63.80% | 84.95% | $0 | $0 |
| Q2 2025 | 64.97% | 83.10% | $131K | $0 |
| Q3 2025 | 68.25% | 82.50% | $0 | $0 |
| Q4 2025 | 72.67% | 82.42% | $0 | $5.0M |
| Q1 2026 | 71.33% | 84.53% | $0 | $0 |
| Q2 2026 | 71.53% | 83.75% | $0 | $5.0M |
Bank of Grand Lake liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Grand Lake, 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 Bank of Grand Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57915) · FFIEC NIC profile (RSSD 3286999)