Grand Rivers Community 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.
Net loans and leases to deposits dropped 1.35 percentage points in Q2 2026, from 78.31% to 76.96%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Grand Rivers Community Bank is 145th of 323 on loan-to-deposit ratio, 78.09% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Grand Rivers Community Bank sits 10.47 points higher, at 78.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.2M |
| 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 | $172K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.09% |
| Net loans and leases to deposits | 76.96% |
| Loans and leases to core deposits | 78.09% |
| Core deposits to total deposits | 100.00% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 54.29% | 100.00% | $0 | $278K |
| Q4 2023 | 65.40% | 100.00% | $0 | $269K |
| Q1 2024 | 67.33% | 98.86% | $0 | $259K |
| Q2 2024 | 79.14% | 100.00% | $0 | $249K |
| Q3 2024 | 83.05% | 100.00% | $0 | $240K |
| Q4 2024 | 82.31% | 100.00% | $0 | $230K |
| Q1 2025 | 78.97% | 100.00% | $0 | $221K |
| Q2 2025 | 76.79% | 100.00% | $0 | $211K |
| Q3 2025 | 81.77% | 100.00% | $0 | $201K |
| Q4 2025 | 79.02% | 100.00% | $0 | $192K |
| Q1 2026 | 79.44% | 100.00% | $0 | $182K |
| Q2 2026 | 78.09% | 100.00% | $0 | $172K |
Grand Rivers Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Rivers Community 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 Rivers Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10816) · FFIEC NIC profile (RSSD 226949)