Grant County State 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.
Loans and leases to core deposits climbed 3.80 percentage points in Q2 2026, from 116.49% to 120.28%. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, Grant County State Bank sits 5th from the top on loan-to-deposit ratio, 105.64% as of Q2 2026. Grant County State Bank reported 105.64% on loan-to-deposit ratio for Q2 2026, 24.81 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 | $66.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.0M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.64% |
| Net loans and leases to deposits | 103.57% |
| Loans and leases to core deposits | 120.28% |
| Core deposits to total deposits | 84.60% |
| Brokered deposits to total deposits | 3.23% |
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 | 108.36% | 90.19% | $0 | $40.0M |
| Q4 2023 | 102.06% | 87.58% | $0 | $40.0M |
| Q1 2024 | 101.82% | 86.40% | $0 | $35.0M |
| Q2 2024 | 105.86% | 85.88% | $0 | $35.0M |
| Q3 2024 | 104.82% | 85.56% | $0 | $35.0M |
| Q4 2024 | 104.16% | 85.39% | $0 | $35.0M |
| Q1 2025 | 102.75% | 85.17% | $0 | $35.0M |
| Q2 2025 | 107.44% | 84.66% | $0 | $35.0M |
| Q3 2025 | 105.34% | 84.79% | $0 | $35.0M |
| Q4 2025 | 101.05% | 84.95% | $0 | $35.0M |
| Q1 2026 | 102.30% | 84.60% | $0 | $40.0M |
| Q2 2026 | 105.64% | 84.60% | $0 | $40.0M |
Grant County State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15687) · FFIEC NIC profile (RSSD 933340)