Generations 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.
Other borrowed money dropped 17.9% in Q2 2026, from $33.5M to $27.5M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Generations Bank is 50th of 78 on loan-to-deposit ratio, 81.94% as of Q2 2026. Generations Bank reported 81.94% on loan-to-deposit ratio for Q2 2026, 6.27 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $265.4M |
| 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 | $27.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.94% |
| Net loans and leases to deposits | 81.19% |
| Loans and leases to core deposits | 87.72% |
| Core deposits to total deposits | 78.38% |
| Brokered deposits to total deposits | 15.03% |
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 | 85.01% | 62.84% | $0 | $56.4M |
| Q4 2023 | 84.07% | 73.94% | $0 | $58.3M |
| Q1 2024 | 83.57% | 73.71% | $0 | $52.8M |
| Q2 2024 | 85.71% | 74.02% | $0 | $59.8M |
| Q3 2024 | 82.58% | 72.26% | $0 | $36.8M |
| Q4 2024 | 79.81% | 73.49% | $0 | $28.3M |
| Q1 2025 | 80.74% | 75.11% | $0 | $22.8M |
| Q2 2025 | 79.73% | 76.79% | $0 | $37.0M |
| Q3 2025 | 81.62% | 76.27% | $0 | $39.0M |
| Q4 2025 | 83.02% | 77.26% | $0 | $43.0M |
| Q1 2026 | 82.41% | 78.84% | $4.0M | $33.5M |
| Q2 2026 | 81.94% | 78.38% | $0 | $27.5M |
Generations Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Generations 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 Generations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 88) · FFIEC NIC profile (RSSD 329345)