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.
Fed funds sold and reverse repos to assets climbed 8.66 percentage points in Q2 2026, from 18.13% to 26.79%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Grant County Bank is 3rd from the bottom among 169 Oklahoma banks, 21.65% (Q2 2026). Against a median of 67.92% for banks in the < $100M asset tier, Grant County Bank reported 21.65% on loan-to-deposit ratio in Q2 2026, 46.27 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.3M |
| Fed funds sold and reverse repos | $15.6M |
| Fed funds sold and reverse repos to assets | 26.79% |
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 | 21.65% |
| Net loans and leases to deposits | 20.93% |
| Loans and leases to core deposits | 29.20% |
| Core deposits to total deposits | 74.15% |
| 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 | 33.75% | 79.67% | $0 | $0 |
| Q4 2023 | 35.91% | 77.69% | $705K | $0 |
| Q1 2024 | 35.54% | 76.53% | $0 | $0 |
| Q2 2024 | 36.12% | 76.10% | $0 | $0 |
| Q3 2024 | 36.66% | 74.25% | $0 | $0 |
| Q4 2024 | 31.69% | 78.29% | $0 | $0 |
| Q1 2025 | 23.92% | 75.37% | $0 | $0 |
| Q2 2025 | 24.80% | 73.89% | $0 | $0 |
| Q3 2025 | 24.34% | 73.20% | $0 | $0 |
| Q4 2025 | 21.01% | 77.14% | $0 | $0 |
| Q1 2026 | 22.64% | 74.30% | $0 | $0 |
| Q2 2026 | 21.65% | 74.15% | $0 | $0 |
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 15778) · FFIEC NIC profile (RSSD 361354)