Grand 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 dropped 3.21 percentage points in Q2 2026, from 99.27% to 96.06%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Grand Bank is 43rd of 169 on loan-to-deposit ratio, 91.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Grand Bank sits 10.35 points higher, at 91.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.0M |
| Fed funds sold and reverse repos | $476K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.18% |
| Net loans and leases to deposits | 89.74% |
| Loans and leases to core deposits | 96.06% |
| Core deposits to total deposits | 87.07% |
| Brokered deposits to total deposits | 7.86% |
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 | 89.12% | 85.06% | $0 | $15.0M |
| Q4 2023 | 90.93% | 83.72% | $0 | $15.2M |
| Q1 2024 | 90.35% | 84.63% | $0 | $15.0M |
| Q2 2024 | 91.14% | 83.62% | $0 | $15.0M |
| Q3 2024 | 92.35% | 83.60% | $0 | $15.2M |
| Q4 2024 | 93.43% | 84.07% | $0 | $15.1M |
| Q1 2025 | 89.50% | 86.70% | $0 | $15.1M |
| Q2 2025 | 86.90% | 87.82% | $0 | $15.1M |
| Q3 2025 | 89.99% | 89.16% | $0 | $15.0M |
| Q4 2025 | 95.84% | 88.63% | $0 | $25.3M |
| Q1 2026 | 94.36% | 87.41% | $0 | $35.0M |
| Q2 2026 | 91.18% | 87.07% | $0 | $25.0M |
Grand Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand 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 Grand Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22065) · FFIEC NIC profile (RSSD 76854)