Gnbank, N.A. dba Gnbank, N.A.: 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 sold and reverse repos: 74.2% lower than in Q1 2026, at $10.8M. Within Kansas, Gnbank, N.A. dba Gnbank, N.A. is 53rd of 182 on loan-to-deposit ratio, 85.73% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Gnbank, N.A. dba Gnbank, N.A. reported 85.73% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $292.3M |
| Fed funds sold and reverse repos | $10.8M |
| Fed funds sold and reverse repos to assets | 1.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $32.0M |
| Other borrowed money | $37.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.73% |
| Net loans and leases to deposits | 84.66% |
| Loans and leases to core deposits | 97.12% |
| Core deposits to total deposits | 88.27% |
| 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 | 79.04% | 93.74% | $75.2M | $90.7M |
| Q4 2023 | 81.93% | 94.40% | $58.4M | $100.6M |
| Q1 2024 | 75.46% | 93.28% | $24.3M | $89.9M |
| Q2 2024 | 76.74% | 91.52% | $21.6M | $90.6M |
| Q3 2024 | 77.35% | 90.71% | $21.3M | $74.2M |
| Q4 2024 | 81.66% | 90.55% | $22.1M | $75.4M |
| Q1 2025 | 78.68% | 91.05% | $21.9M | $45.9M |
| Q2 2025 | 80.32% | 90.07% | $24.5M | $46.7M |
| Q3 2025 | 82.55% | 90.16% | $23.5M | $44.4M |
| Q4 2025 | 85.98% | 90.97% | $25.1M | $43.1M |
| Q1 2026 | 82.22% | 89.74% | $29.6M | $39.5M |
| Q2 2026 | 85.73% | 88.27% | $32.0M | $37.9M |
Gnbank, N.A. dba Gnbank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gnbank, N.A. dba Gnbank, N.A., 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 Gnbank, N.A. dba Gnbank, N.A. profile, peer group comparison, or how this data updates.
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