Garfield County 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 Loans and leases to core deposits: 4.96 percentage points lower than in Q1 2026, at 57.88%. Garfield County Bank ranks 30th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 53.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Garfield County Bank sits 27.73 points lower, at 53.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.7M |
| Fed funds sold and reverse repos | $27.3M |
| Fed funds sold and reverse repos to assets | 25.27% |
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 | 53.10% |
| Net loans and leases to deposits | 52.38% |
| Loans and leases to core deposits | 57.88% |
| Core deposits to total deposits | 91.74% |
| 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 | 74.44% | 90.89% | $3.2M | $0 |
| Q4 2023 | 61.04% | 91.74% | $0 | $0 |
| Q1 2024 | 68.18% | 90.80% | $0 | $0 |
| Q2 2024 | 75.89% | 90.61% | $0 | $0 |
| Q3 2024 | 79.86% | 90.65% | $0 | $0 |
| Q4 2024 | 65.66% | 88.31% | $0 | $0 |
| Q1 2025 | 66.52% | 85.27% | $0 | $0 |
| Q2 2025 | 64.66% | 84.91% | $0 | $0 |
| Q3 2025 | 67.69% | 90.97% | $0 | $0 |
| Q4 2025 | 55.17% | 91.75% | $0 | $0 |
| Q1 2026 | 57.53% | 91.55% | $0 | $0 |
| Q2 2026 | 53.10% | 91.74% | $0 | $0 |
Garfield County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Garfield County 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 Garfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18164) · FFIEC NIC profile (RSSD 608358)