Gainey Business Bank: 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 Loan-to-deposit ratio: 8.73 percentage points higher than in Q1 2026, at 107.27%. On loan-to-deposit ratio, Gainey Business Bank ranks 3rd highest among the 12 banks headquartered in Arizona, at 107.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Gainey Business Bank sits 26.32 points higher, at 107.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.8M |
| Fed funds sold and reverse repos | $9.3M |
| Fed funds sold and reverse repos to assets | 8.74% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.5M |
| 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 | 107.27% |
| Net loans and leases to deposits | 106.02% |
| Loans and leases to core deposits | 113.76% |
| Core deposits to total deposits | 94.29% |
| Brokered deposits to total deposits | 3.87% |
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 | 136.28% | 98.50% | $0 | $0 |
| Q4 2023 | 91.46% | 93.40% | $0 | $0 |
| Q1 2024 | 80.64% | 94.88% | $0 | $0 |
| Q2 2024 | 117.99% | 90.55% | $0 | $0 |
| Q3 2024 | 111.49% | 89.91% | $0 | $0 |
| Q4 2024 | 120.63% | 96.44% | $0 | $4.0M |
| Q1 2025 | 132.74% | 97.62% | $0 | $6.0M |
| Q2 2025 | 103.31% | 99.12% | $0 | $0 |
| Q3 2025 | 98.00% | 93.14% | $0 | $0 |
| Q4 2025 | 92.87% | 89.29% | $0 | $0 |
| Q1 2026 | 98.53% | 92.83% | $0 | $0 |
| Q2 2026 | 107.27% | 94.29% | $2.5M | $0 |
Gainey Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gainey Business Bank, 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 Gainey Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59273) · FFIEC NIC profile (RSSD 5758445)