Grand Ridge National 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: 2.68 percentage points lower than in Q1 2026, at 102.50%. Within Illinois, Grand Ridge National Bank is 67th of 323 on loan-to-deposit ratio, 88.93% as of Q2 2026, above the middle of the field. Grand Ridge National Bank reported 88.93% on loan-to-deposit ratio for Q2 2026, 8.09 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $102.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $102.4M |
| 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 | 88.93% |
| Net loans and leases to deposits | 87.98% |
| Loans and leases to core deposits | 102.50% |
| Core deposits to total deposits | 86.76% |
| Brokered deposits to total deposits | 5.02% |
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 | 98.88% | 85.34% | $0 | $0 |
| Q4 2023 | 96.38% | 84.70% | $0 | $0 |
| Q1 2024 | 91.60% | 77.55% | $0 | $0 |
| Q2 2024 | 92.99% | 78.87% | $0 | $0 |
| Q3 2024 | 92.95% | 81.55% | $0 | $0 |
| Q4 2024 | 91.09% | 82.01% | $0 | $0 |
| Q1 2025 | 90.42% | 82.82% | $0 | $0 |
| Q2 2025 | 84.61% | 82.09% | $0 | $0 |
| Q3 2025 | 83.61% | 86.59% | $0 | $0 |
| Q4 2025 | 85.14% | 85.89% | $0 | $0 |
| Q1 2026 | 90.72% | 86.25% | $0 | $0 |
| Q2 2026 | 88.93% | 86.76% | $0 | $0 |
Grand Ridge National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Ridge National 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 Ridge National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3674) · FFIEC NIC profile (RSSD 875132)