Grand Missouri 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: 5.12 percentage points lower than in Q1 2026, at 106.46%. Grand Missouri Bank ranks 32nd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 97.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Grand Missouri Bank sits 16.28 points higher, at 97.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.8M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.96% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.12% |
| Net loans and leases to deposits | 95.99% |
| Loans and leases to core deposits | 106.46% |
| Core deposits to total deposits | 86.71% |
| Brokered deposits to total deposits | 4.52% |
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 | 116.01% | 95.49% | $0 | $5.0M |
| Q4 2023 | 107.56% | 84.06% | $0 | $13.0M |
| Q1 2024 | 94.08% | 83.19% | $0 | $4.0M |
| Q2 2024 | 99.99% | 83.09% | $0 | $4.0M |
| Q3 2024 | 101.65% | 83.18% | $0 | $4.0M |
| Q4 2024 | 99.59% | 77.12% | $0 | $4.0M |
| Q1 2025 | 99.45% | 78.88% | $0 | $4.0M |
| Q2 2025 | 99.95% | 82.90% | $0 | $4.0M |
| Q3 2025 | 100.14% | 84.66% | $0 | $4.0M |
| Q4 2025 | 101.10% | 85.34% | $0 | $2.0M |
| Q1 2026 | 100.02% | 84.85% | $0 | $2.0M |
| Q2 2026 | 97.12% | 86.71% | $0 | $2.0M |
Grand Missouri Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Missouri 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 Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11003) · FFIEC NIC profile (RSSD 365950)