The Goose River 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.
Loans and leases to core deposits climbed 5.05 percentage points in Q2 2026, from 90.24% to 95.29%. It was the largest change from Q1 2026 among the key lines here. The Goose River Bank ranks 18th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 88.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Goose River Bank sits 7.67 points higher, at 88.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.5M |
| Fed funds sold and reverse repos | $11.7M |
| Fed funds sold and reverse repos to assets | 6.77% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.51% |
| Net loans and leases to deposits | 87.66% |
| Loans and leases to core deposits | 95.29% |
| Core deposits to total deposits | 86.10% |
| Brokered deposits to total deposits | 6.79% |
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 | 84.33% | 89.20% | $765K | $10.0M |
| Q4 2023 | 84.34% | 95.69% | $8.7M | $10.0M |
| Q1 2024 | 81.63% | 90.58% | $0 | $4.9M |
| Q2 2024 | 91.82% | 89.57% | $395K | $13.3M |
| Q3 2024 | 90.05% | 82.65% | $0 | $12.5M |
| Q4 2024 | 86.79% | 83.15% | $0 | $7.5M |
| Q1 2025 | 85.41% | 87.48% | $0 | $7.5M |
| Q2 2025 | 94.17% | 86.51% | $1.3M | $7.5M |
| Q3 2025 | 86.98% | 93.86% | $0 | $5.0M |
| Q4 2025 | 84.75% | 93.43% | $0 | $5.0M |
| Q1 2026 | 84.48% | 87.11% | $0 | $5.0M |
| Q2 2026 | 88.51% | 86.10% | $0 | $5.0M |
The Goose River Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Goose River 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 The Goose River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10236) · FFIEC NIC profile (RSSD 821157)