The Galion Building and Loan 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.
Fed funds sold and reverse repos dropped 45.7% in Q2 2026, from $1.1M to $599K. It was the largest change from Q1 2026 among the key lines here. The Galion Building and Loan Bank ranks 55th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 88.37% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Galion Building and Loan Bank sits 20.75 points higher, at 88.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.5M |
| Fed funds sold and reverse repos | $599K |
| Fed funds sold and reverse repos to assets | 0.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.37% |
| Net loans and leases to deposits | 87.82% |
| Loans and leases to core deposits | 93.35% |
| Core deposits to total deposits | 94.66% |
| 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 | 92.36% | 98.12% | $0 | $7.6M |
| Q4 2023 | 90.11% | 98.12% | $0 | $7.0M |
| Q1 2024 | 88.22% | 97.29% | $0 | $6.0M |
| Q2 2024 | 91.54% | 97.22% | $0 | $6.0M |
| Q3 2024 | 88.89% | 96.23% | $0 | $6.0M |
| Q4 2024 | 89.04% | 95.05% | $0 | $6.0M |
| Q1 2025 | 88.69% | 94.16% | $0 | $6.0M |
| Q2 2025 | 89.98% | 94.11% | $0 | $6.0M |
| Q3 2025 | 90.66% | 94.29% | $0 | $6.0M |
| Q4 2025 | 86.69% | 94.76% | $0 | $6.0M |
| Q1 2026 | 84.90% | 94.79% | $0 | $6.0M |
| Q2 2026 | 88.37% | 94.66% | $0 | $6.0M |
The Galion Building and Loan Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Galion Building and Loan 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 The Galion Building and Loan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32307) · FFIEC NIC profile (RSSD 24378)