Grand Rapids State Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 1.70 percentage points in Q3 2026, from 29.70% to 31.41%. It was the largest change from Q2 2026 among the key lines here. Within Minnesota, Grand Rapids State Bank is 97th of 221 on total deposits, $230.6M as of Q3 2026, above the middle of the field. Grand Rapids State Bank reported $230.6M on total deposits for Q3 2026, 17% below the $277.3M median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Deposit totals
| Line item | Q3 2026 |
|---|---|
| Total deposits | $230.6M |
| Domestic office deposits | $230.6M |
| Foreign office deposits | — |
| Deposits to total assets | 89.66% |
| Deposits to total liabilities | 98.68% |
Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $72.4M |
| Savings deposits | $41.7M |
| Transaction accounts to domestic deposits | 54.07% |
| Time deposits | $13K |
| Time deposits under $100k | $11.5M |
| Time deposits $100k to $250k | $12.0M |
| Time deposits over $250k | $5.9M |
| Noninterest-bearing share of deposits | 31.41% |
Stability of funding
| Line item | Q3 2026 |
|---|---|
| Core deposits | $224.7M |
| Core deposits to total deposits | 97.44% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 0.71% |
| Interest expense on deposits | $287K |
| Loans and leases to core deposits | 62.13% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q4 2023 | $226.8M | 97.08% | 0.00% | 0.48% |
| Q1 2024 | $214.6M | 96.93% | 0.00% | 0.54% |
| Q2 2024 | $215.6M | 97.12% | 0.00% | 0.57% |
| Q3 2024 | $225.0M | 96.93% | 0.00% | 0.64% |
| Q4 2024 | $213.1M | 97.25% | 0.00% | 0.72% |
| Q1 2025 | $205.2M | 96.96% | 0.00% | 0.74% |
| Q2 2025 | $211.8M | 96.31% | 0.00% | 0.77% |
| Q3 2025 | $225.2M | 96.30% | 0.00% | 0.77% |
| Q4 2025 | $227.2M | 96.47% | 0.00% | 0.72% |
| Q1 2026 | $231.6M | 97.28% | 0.00% | 0.70% |
| Q2 2026 | $234.1M | 97.29% | 0.00% | 0.69% |
| Q3 2026 | $230.6M | 97.44% | 0.00% | 0.71% |
Grand Rapids State Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Rapids State Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 Rapids State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10962) · FFIEC NIC profile (RSSD 1003558)