The Genoa Banking Company: 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 purchased and repos: 20.6% lower than in Q1 2026, at $3.1M. The Genoa Banking Company ranks 63rd of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 85.76% (Q2 2026). The Genoa Banking Company reported 85.76% on loan-to-deposit ratio for Q2 2026, 4.93 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 | $17.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $147.5M |
| 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 | $3.1M |
| Other borrowed money | $16.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.76% |
| Net loans and leases to deposits | 84.89% |
| Loans and leases to core deposits | 92.96% |
| Core deposits to total deposits | 84.12% |
| Brokered deposits to total deposits | 8.14% |
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 | 90.61% | 86.46% | $6.4M | $20.6M |
| Q4 2023 | 88.44% | 83.60% | $5.9M | $20.6M |
| Q1 2024 | 86.48% | 83.17% | $3.9M | $20.3M |
| Q2 2024 | 85.29% | 84.31% | $3.8M | $18.3M |
| Q3 2024 | 83.36% | 84.20% | $3.5M | $17.3M |
| Q4 2024 | 82.93% | 84.22% | $3.5M | $16.2M |
| Q1 2025 | 80.19% | 84.51% | $3.3M | $15.2M |
| Q2 2025 | 81.61% | 85.11% | $4.6M | $15.2M |
| Q3 2025 | 81.96% | 85.01% | $5.4M | $16.4M |
| Q4 2025 | 83.95% | 85.28% | $2.4M | $14.2M |
| Q1 2026 | 85.20% | 85.07% | $3.9M | $14.2M |
| Q2 2026 | 85.76% | 84.12% | $3.1M | $16.1M |
The Genoa Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Genoa Banking Company, 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 Genoa Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2285) · FFIEC NIC profile (RSSD 504311)