Grand Marais State 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 Cash and balances due from depository institutions: 200.0% higher than in Q1 2026, at $12.9M. Grand Marais State Bank ranks 162nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 69.12% (Q2 2026). Grand Marais State Bank reported 69.12% on loan-to-deposit ratio for Q2 2026, 11.83 points below 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 | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 69.12% |
| Net loans and leases to deposits | 68.44% |
| Loans and leases to core deposits | 72.07% |
| Core deposits to total deposits | 95.90% |
| 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 | 62.02% | 98.98% | $0 | $5.8M |
| Q4 2023 | 69.71% | 98.85% | $0 | $14.2M |
| Q1 2024 | 69.86% | 97.83% | $0 | $8.1M |
| Q2 2024 | 69.77% | 97.87% | $0 | $5.0M |
| Q3 2024 | 61.90% | 98.11% | $0 | $0 |
| Q4 2024 | 66.32% | 97.99% | $0 | $500K |
| Q1 2025 | 72.89% | 97.12% | $0 | $7.0M |
| Q2 2025 | 72.23% | 97.63% | $0 | $0 |
| Q3 2025 | 68.31% | 97.73% | $0 | $0 |
| Q4 2025 | 73.55% | 97.22% | $0 | $0 |
| Q1 2026 | 72.15% | 96.08% | $0 | $2.0M |
| Q2 2026 | 69.12% | 95.90% | $0 | $0 |
Grand Marais State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Marais State 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 Marais State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8842) · FFIEC NIC profile (RSSD 945950)