GN 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.
Cash and balances due from depository institutions dropped 50.2% in Q2 2026, from $7.2M to $3.6M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, GN Bank is 284th of 323 on loan-to-deposit ratio, 49.56% as of Q2 2026, below the middle of the field. GN Bank reported 49.56% on loan-to-deposit ratio for Q2 2026, 18.06 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.3M |
| 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 | $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 | 49.56% |
| Net loans and leases to deposits | 49.11% |
| Loans and leases to core deposits | 52.86% |
| Core deposits to total deposits | 93.77% |
| 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 | 80.03% | 94.69% | $0 | $0 |
| Q4 2023 | 82.10% | 95.38% | $0 | $0 |
| Q1 2024 | 78.92% | 93.57% | $0 | $0 |
| Q2 2024 | 70.32% | 91.29% | $0 | $0 |
| Q3 2024 | 67.29% | 93.59% | $0 | $0 |
| Q4 2024 | 63.45% | 93.99% | $0 | $0 |
| Q1 2025 | 58.20% | 94.89% | $0 | $0 |
| Q2 2025 | 55.83% | 94.76% | $0 | $0 |
| Q3 2025 | 52.69% | 94.57% | $0 | $0 |
| Q4 2025 | 50.13% | 94.17% | $0 | $0 |
| Q1 2026 | 50.37% | 95.12% | $0 | $0 |
| Q2 2026 | 49.56% | 93.77% | $0 | $0 |
GN Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock GN 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 GN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29399) · FFIEC NIC profile (RSSD 250476)