Genubank: 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.
Loans and leases to core deposits dropped 10.56 percentage points in Q2 2026, from 92.41% to 81.85%. It was the largest change from Q1 2026 among the key lines here. Genubank ranks 8th of 14 Nevada banks on loan-to-deposit ratio, in the lower half at 74.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Genubank sits 6.03 points lower, at 74.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.1M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.40% |
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 | 74.52% |
| Net loans and leases to deposits | 73.97% |
| Loans and leases to core deposits | 81.85% |
| Core deposits to total deposits | 91.05% |
| 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 | 62.78% | 94.82% | $0 | $0 |
| Q4 2023 | 68.09% | 94.67% | $0 | $0 |
| Q1 2024 | 78.10% | 96.08% | $0 | $0 |
| Q2 2024 | 87.26% | 93.37% | $0 | $0 |
| Q3 2024 | 87.12% | 89.62% | $0 | $0 |
| Q4 2024 | 83.61% | 89.94% | $0 | $0 |
| Q1 2025 | 90.34% | 89.39% | $0 | $0 |
| Q2 2025 | 98.63% | 87.26% | $0 | $0 |
| Q3 2025 | 86.86% | 87.48% | $0 | $0 |
| Q4 2025 | 95.62% | 87.72% | $0 | $0 |
| Q1 2026 | 83.43% | 90.28% | $0 | $0 |
| Q2 2026 | 74.52% | 91.05% | $0 | $0 |
Genubank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Genubank, 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 Genubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58806) · FFIEC NIC profile (RSSD 3720336)