Grand River 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.
Other borrowed money dropped 57.1% in Q2 2026, from $17.5M to $7.5M. It was the largest change from Q1 2026 among the key lines here. Grand River Bank ranks 16th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 96.04% (Q2 2026). Grand River Bank reported 96.04% on loan-to-deposit ratio for Q2 2026, 15.21 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 | $56.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.3M |
| 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 | $7.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.04% |
| Net loans and leases to deposits | 94.95% |
| Loans and leases to core deposits | 103.33% |
| Core deposits to total deposits | 79.14% |
| Brokered deposits to total deposits | 13.81% |
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 | 105.78% | 84.86% | $0 | $27.5M |
| Q4 2023 | 108.69% | 82.71% | $0 | $34.5M |
| Q1 2024 | 105.28% | 79.33% | $0 | $19.5M |
| Q2 2024 | 108.04% | 78.45% | $0 | $37.5M |
| Q3 2024 | 103.60% | 79.08% | $0 | $17.5M |
| Q4 2024 | 110.03% | 78.58% | $0 | $35.5M |
| Q1 2025 | 106.77% | 77.85% | $0 | $27.5M |
| Q2 2025 | 106.00% | 75.20% | $0 | $28.0M |
| Q3 2025 | 98.45% | 76.64% | $0 | $17.5M |
| Q4 2025 | 99.99% | 77.15% | $0 | $17.5M |
| Q1 2026 | 99.82% | 78.15% | $0 | $17.5M |
| Q2 2026 | 96.04% | 79.14% | $0 | $7.5M |
Grand River Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand River 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58789) · FFIEC NIC profile (RSSD 3812147)