The Granger 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: 8.57 percentage points higher than in Q1 2026, at 73.91%. The Granger National Bank ranks 232nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 63.03% (Q2 2026). The Granger National Bank reported 63.03% on loan-to-deposit ratio for Q2 2026, 4.59 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.6M |
| 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 | 63.03% |
| Net loans and leases to deposits | 62.24% |
| Loans and leases to core deposits | 73.91% |
| Core deposits to total deposits | 77.87% |
| Brokered deposits to total deposits | 7.41% |
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 | 16.52% | 93.23% | $0 | $0 |
| Q4 2023 | 15.56% | 92.26% | $0 | $0 |
| Q1 2024 | 13.04% | 93.04% | $0 | $0 |
| Q2 2024 | 21.86% | 89.88% | $0 | $0 |
| Q3 2024 | 38.17% | 85.26% | $0 | $0 |
| Q4 2024 | 46.21% | 86.00% | $0 | $0 |
| Q1 2025 | 49.31% | 85.32% | $0 | $0 |
| Q2 2025 | 52.04% | 87.14% | $0 | $0 |
| Q3 2025 | 55.00% | 87.25% | $0 | $0 |
| Q4 2025 | 52.59% | 88.46% | $0 | $0 |
| Q1 2026 | 55.94% | 83.91% | $0 | $0 |
| Q2 2026 | 63.03% | 77.87% | $0 | $0 |
The Granger National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Granger 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 The Granger National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3232) · FFIEC NIC profile (RSSD 272151)