GNB 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 Other borrowed money: 316.0% higher than in Q1 2026, at $35.5M. GNB Bank ranks 74th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 89.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. GNB Bank sits 8.92 points higher, at 89.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.4M |
| Fed funds sold and reverse repos | $172K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.1M |
| Other borrowed money | $35.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.75% |
| Net loans and leases to deposits | 88.46% |
| Loans and leases to core deposits | 101.10% |
| Core deposits to total deposits | 81.32% |
| Brokered deposits to total deposits | 7.46% |
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 | 81.52% | 88.72% | $6.9M | $31.8M |
| Q4 2023 | 83.47% | 89.68% | $8.4M | $46.4M |
| Q1 2024 | 84.95% | 91.17% | $4.6M | $41.1M |
| Q2 2024 | 87.51% | 88.47% | $6.4M | $43.9M |
| Q3 2024 | 86.98% | 77.66% | $9.0M | $38.2M |
| Q4 2024 | 88.91% | 81.94% | $3.1M | $54.9M |
| Q1 2025 | 87.03% | 81.35% | $4.0M | $22.2M |
| Q2 2025 | 91.02% | 81.27% | $3.8M | $45.7M |
| Q3 2025 | 88.58% | 77.12% | $3.0M | $24.2M |
| Q4 2025 | 92.58% | 80.12% | $2.8M | $48.1M |
| Q1 2026 | 86.71% | 79.60% | $2.3M | $8.5M |
| Q2 2026 | 89.75% | 81.32% | $2.1M | $35.5M |
GNB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock GNB 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 GNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14079) · FFIEC NIC profile (RSSD 724744)