The Garrett 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 Cash and balances due from depository institutions: 48.9% higher than in Q1 2026, at $35.4M. The Garrett State Bank ranks 40th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 86.02% (Q2 2026). The Garrett State Bank reported 86.02% on loan-to-deposit ratio for Q2 2026, 5.19 points above 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 | $35.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.4M |
| 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 | $18.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.02% |
| Net loans and leases to deposits | 85.17% |
| Loans and leases to core deposits | 95.41% |
| Core deposits to total deposits | 85.75% |
| Brokered deposits to total deposits | 4.41% |
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 | 95.70% | 90.01% | $0 | $18.5M |
| Q4 2023 | 87.24% | 89.24% | $0 | $12.4M |
| Q1 2024 | 90.37% | 88.60% | $0 | $12.2M |
| Q2 2024 | 92.88% | 87.61% | $0 | $25.1M |
| Q3 2024 | 95.81% | 85.38% | $0 | $21.6M |
| Q4 2024 | 90.24% | 84.62% | $0 | $18.5M |
| Q1 2025 | 92.85% | 82.32% | $0 | $18.3M |
| Q2 2025 | 87.16% | 83.56% | $0 | $23.5M |
| Q3 2025 | 88.90% | 82.67% | $0 | $17.5M |
| Q4 2025 | 83.90% | 84.02% | $0 | $17.4M |
| Q1 2026 | 89.33% | 84.43% | $0 | $18.4M |
| Q2 2026 | 86.02% | 85.75% | $0 | $18.2M |
The Garrett State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Garrett 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 The Garrett State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8074) · FFIEC NIC profile (RSSD 465243)