Glenwood State Bank (Incorporated): 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.
Fed funds sold and reverse repos climbed 17.9% in Q2 2026, from $2.1M to $2.4M. It was the largest change from Q1 2026 among the key lines here. Glenwood State Bank (Incorporated) ranks 23rd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 104.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Glenwood State Bank (Incorporated) sits 23.55 points higher, at 104.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.9M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 0.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.39% |
| Net loans and leases to deposits | 103.13% |
| Loans and leases to core deposits | 117.69% |
| Core deposits to total deposits | 88.70% |
| 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 | 113.43% | 90.64% | $0 | $49.5M |
| Q4 2023 | 112.10% | 89.24% | $0 | $43.1M |
| Q1 2024 | 110.93% | 87.83% | $0 | $30.8M |
| Q2 2024 | 111.15% | 87.45% | $0 | $37.2M |
| Q3 2024 | 109.81% | 87.69% | $0 | $36.5M |
| Q4 2024 | 104.27% | 88.54% | $0 | $25.5M |
| Q1 2025 | 105.42% | 88.22% | $0 | $19.5M |
| Q2 2025 | 106.84% | 88.07% | $0 | $17.5M |
| Q3 2025 | 109.04% | 87.57% | $0 | $26.0M |
| Q4 2025 | 103.83% | 88.55% | $0 | $19.5M |
| Q1 2026 | 103.72% | 88.55% | $0 | $18.5M |
| Q2 2026 | 104.39% | 88.70% | $0 | $17.5M |
Glenwood State Bank (Incorporated) liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood State Bank (Incorporated), 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 Glenwood State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8853) · FFIEC NIC profile (RSSD 975854)