Goppert State Service 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 Loans and leases to core deposits: 2.64 percentage points lower than in Q1 2026, at 91.87%. Within Kansas, Goppert State Service Bank is 60th of 182 on loan-to-deposit ratio, 83.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Goppert State Service Bank sits 2.89 points higher, at 83.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.2M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.33% |
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 | 83.83% |
| Net loans and leases to deposits | 82.67% |
| Loans and leases to core deposits | 91.87% |
| Core deposits to total deposits | 91.26% |
| 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 | 96.57% | 93.69% | $0 | $3.0M |
| Q4 2023 | 94.05% | 91.81% | $0 | $3.0M |
| Q1 2024 | 92.72% | 90.73% | $0 | $3.0M |
| Q2 2024 | 94.86% | 90.92% | $0 | $3.0M |
| Q3 2024 | 93.36% | 89.64% | $0 | $3.0M |
| Q4 2024 | 89.44% | 90.51% | $0 | $3.0M |
| Q1 2025 | 87.75% | 91.38% | $0 | $3.0M |
| Q2 2025 | 88.72% | 91.13% | $0 | $3.0M |
| Q3 2025 | 94.16% | 90.68% | $0 | $0 |
| Q4 2025 | 89.39% | 90.25% | $0 | $0 |
| Q1 2026 | 85.41% | 90.38% | $0 | $0 |
| Q2 2026 | 83.83% | 91.26% | $0 | $0 |
Goppert State Service Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Goppert State Service 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 Goppert State Service Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17317) · FFIEC NIC profile (RSSD 850456)