Generations Community 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 Core deposits to total deposits: 83.34 percentage points lower than in Q1 2026, at 16.66%. Generations Community Bank has the 5th lowest loan-to-deposit ratio of the 87 banks headquartered in Indiana, at 55.08% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Generations Community Bank sits 12.24 points lower, at 55.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.1M |
| Fed funds sold and reverse repos | $5.7M |
| Fed funds sold and reverse repos to assets | 18.56% |
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 | 55.08% |
| Net loans and leases to deposits | 54.44% |
| Loans and leases to core deposits | 70.96% |
| Core deposits to total deposits | 16.66% |
| Brokered deposits to total deposits | 60.97% |
Liquidity and Borrowings trend
Last 2 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 |
|---|---|---|---|---|
| Q1 2026 | 0.00% | 100.00% | $0 | $0 |
| Q2 2026 | 55.08% | 16.66% | $0 | $0 |
Generations Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Generations Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59365) · FFIEC NIC profile (RSSD 6058562)