Global Innovations 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 Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Within Minnesota, Global Innovations Bank is 145th of 221 on loan-to-deposit ratio, 72.82% as of Q2 2026, below the middle of the field. Global Innovations Bank reported 72.82% on loan-to-deposit ratio for Q2 2026, 8.02 points below 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 | $38.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $38.7M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.97% |
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 | 72.82% |
| Net loans and leases to deposits | 72.13% |
| Loans and leases to core deposits | 98.51% |
| Core deposits to total deposits | 66.62% |
| Brokered deposits to total deposits | 7.31% |
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 | 47.15% | 98.92% | $0 | $0 |
| Q4 2023 | 53.65% | 98.32% | $0 | $0 |
| Q1 2024 | 55.48% | 94.96% | $0 | $0 |
| Q2 2024 | 52.18% | 90.85% | $0 | $0 |
| Q3 2024 | 56.16% | 89.98% | $0 | $0 |
| Q4 2024 | 49.72% | 84.28% | $3.2M | $0 |
| Q1 2025 | 53.44% | 73.76% | $0 | $0 |
| Q2 2025 | 55.81% | 72.02% | $0 | $0 |
| Q3 2025 | 61.61% | 70.92% | $0 | $0 |
| Q4 2025 | 53.21% | 66.98% | $0 | $0 |
| Q1 2026 | 70.91% | 67.60% | $1.5M | $0 |
| Q2 2026 | 72.82% | 66.62% | $0 | $0 |
Global Innovations Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Global Innovations 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 Global Innovations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5175) · FFIEC NIC profile (RSSD 1015458)