Golden Belt Bank, FSA: 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: 85.5% lower than in Q1 2026, at $738K. On loan-to-deposit ratio, Golden Belt Bank, FSA ranks 18th highest among the 182 banks headquartered in Kansas, at 98.42% (Q2 2026). Golden Belt Bank, FSA reported 98.42% on loan-to-deposit ratio for Q2 2026, 17.47 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.2M |
| Fed funds sold and reverse repos | $738K |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $48.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.85% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.42% |
| Net loans and leases to deposits | 97.38% |
| Loans and leases to core deposits | 106.34% |
| Core deposits to total deposits | 92.55% |
| 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 | 82.69% | 94.07% | $0 | $16.5M |
| Q4 2023 | 83.70% | 93.16% | $0 | $14.3M |
| Q1 2024 | 83.00% | 92.31% | $0 | $11.5M |
| Q2 2024 | 86.24% | 93.68% | $0 | $21.5M |
| Q3 2024 | 88.92% | 93.23% | $0 | $35.0M |
| Q4 2024 | 94.23% | 92.86% | $0 | $42.5M |
| Q1 2025 | 90.44% | 93.35% | $0 | $30.0M |
| Q2 2025 | 89.22% | 92.96% | $0 | $35.0M |
| Q3 2025 | 92.99% | 92.99% | $0 | $40.0M |
| Q4 2025 | 92.83% | 93.73% | $0 | $40.0M |
| Q1 2026 | 93.34% | 94.30% | $0 | $41.0M |
| Q2 2026 | 98.42% | 92.55% | $0 | $48.0M |
Golden Belt Bank, FSA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Belt Bank, FSA, 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 Golden Belt Bank, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28735) · FFIEC NIC profile (RSSD 148171)