Grand Rapids 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.
Cash and balances due from depository institutions dropped 16.2% in Q3 2026, from $53.4M to $44.8M. It was the largest change from Q2 2026 among the key lines here. Within Minnesota, Grand Rapids State Bank is 185th of 221 on loan-to-deposit ratio, 60.53% as of Q3 2026, below the middle of the field. Grand Rapids State Bank reported 60.53% on loan-to-deposit ratio for Q3 2026, 20.30 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 60.53% |
| Net loans and leases to deposits | 60.07% |
| Loans and leases to core deposits | 62.13% |
| Core deposits to total deposits | 97.44% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 63.09% | 97.08% | $0 | $0 |
| Q1 2024 | 69.66% | 96.93% | $0 | $0 |
| Q2 2024 | 70.45% | 97.12% | $0 | $0 |
| Q3 2024 | 68.38% | 96.93% | $0 | $0 |
| Q4 2024 | 71.83% | 97.25% | $0 | $0 |
| Q1 2025 | 77.96% | 96.96% | $0 | $0 |
| Q2 2025 | 73.06% | 96.31% | $0 | $2.0M |
| Q3 2025 | 67.73% | 96.30% | $0 | $0 |
| Q4 2025 | 63.67% | 96.47% | $0 | $0 |
| Q1 2026 | 63.61% | 97.28% | $0 | $0 |
| Q2 2026 | 60.59% | 97.29% | $0 | $0 |
| Q3 2026 | 60.53% | 97.44% | $0 | $0 |
Grand Rapids 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 Rapids 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 Rapids State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10962) · FFIEC NIC profile (RSSD 1003558)