Garden Plain State 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 Fed funds sold and reverse repos: 39.0% higher than in Q1 2026, at $17.8M. Garden Plain State Bank has the 7th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 35.45% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, Garden Plain State Bank reported 35.45% on loan-to-deposit ratio in Q2 2026, 45.50 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.3M |
| Fed funds sold and reverse repos | $17.8M |
| Fed funds sold and reverse repos to assets | 9.28% |
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 | 35.45% |
| Net loans and leases to deposits | 35.00% |
| Loans and leases to core deposits | 41.66% |
| Core deposits to total deposits | 85.09% |
| 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 | 37.14% | 96.34% | $0 | $0 |
| Q4 2023 | 40.75% | 95.59% | $0 | $0 |
| Q1 2024 | 37.76% | 94.85% | $0 | $0 |
| Q2 2024 | 37.78% | 94.18% | $0 | $0 |
| Q3 2024 | 40.12% | 87.15% | $0 | $0 |
| Q4 2024 | 42.26% | 86.31% | $0 | $0 |
| Q1 2025 | 38.12% | 86.85% | $0 | $0 |
| Q2 2025 | 36.96% | 85.87% | $0 | $0 |
| Q3 2025 | 38.18% | 85.70% | $0 | $0 |
| Q4 2025 | 39.61% | 84.88% | $0 | $0 |
| Q1 2026 | 36.77% | 85.37% | $0 | $0 |
| Q2 2026 | 35.45% | 85.09% | $0 | $0 |
Garden Plain State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Garden Plain State 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 Garden Plain State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19687) · FFIEC NIC profile (RSSD 987651)