Grant County 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 Cash and balances due from depository institutions: 65.1% lower than in Q1 2026, at $8.1M. Within Kansas, Grant County Bank is 115th of 182 on loan-to-deposit ratio, 68.98% as of Q2 2026, below the middle of the field. Grant County Bank reported 68.98% on loan-to-deposit ratio for Q2 2026, 11.86 points below 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 | $8.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.0M |
| 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 | $8.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.98% |
| Net loans and leases to deposits | 67.41% |
| Loans and leases to core deposits | 88.11% |
| Core deposits to total deposits | 78.29% |
| Brokered deposits to total deposits | 12.32% |
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 | 64.56% | 79.57% | $0 | $11.6M |
| Q4 2023 | 57.46% | 79.76% | $0 | $10.1M |
| Q1 2024 | 60.85% | 75.56% | $0 | $9.9M |
| Q2 2024 | 64.10% | 75.14% | $0 | $9.9M |
| Q3 2024 | 66.65% | 74.42% | $0 | $12.1M |
| Q4 2024 | 61.76% | 77.37% | $0 | $12.1M |
| Q1 2025 | 66.86% | 73.95% | $0 | $15.3M |
| Q2 2025 | 69.69% | 73.06% | $0 | $18.9M |
| Q3 2025 | 70.85% | 72.73% | $0 | $15.8M |
| Q4 2025 | 64.15% | 77.23% | $0 | $11.5M |
| Q1 2026 | 63.62% | 77.19% | $0 | $8.1M |
| Q2 2026 | 68.98% | 78.29% | $0 | $8.1M |
Grant County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County 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 Grant County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10918) · FFIEC NIC profile (RSSD 207452)