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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 12.51 percentage points higher than in Q1 2026, at 71.22%. Within North Dakota, Grant County State Bank is 36th of 60 on loan-to-deposit ratio, 68.57% as of Q2 2026. At 68.57%, Grant County State Bank's loan-to-deposit ratio is close to the 67.32% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.6M |
| Fed funds sold and reverse repos | $13.9M |
| Fed funds sold and reverse repos to assets | 29.79% |
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 | 68.57% |
| Net loans and leases to deposits | 68.00% |
| Loans and leases to core deposits | 71.22% |
| Core deposits to total deposits | 96.27% |
| 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 | 85.38% | 96.14% | $0 | $0 |
| Q4 2023 | 73.44% | 96.40% | $0 | $0 |
| Q1 2024 | 69.37% | 97.12% | $0 | $0 |
| Q2 2024 | 83.32% | 96.89% | $0 | $0 |
| Q3 2024 | 86.88% | 96.01% | $0 | $0 |
| Q4 2024 | 72.18% | 96.29% | $0 | $0 |
| Q1 2025 | 54.65% | 96.40% | $0 | $0 |
| Q2 2025 | 64.44% | 96.08% | $0 | $0 |
| Q3 2025 | 76.56% | 95.96% | $0 | $0 |
| Q4 2025 | 57.79% | 96.37% | $0 | $0 |
| Q1 2026 | 56.59% | 96.39% | $0 | $0 |
| Q2 2026 | 68.57% | 96.27% | $0 | $0 |
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 9417) · FFIEC NIC profile (RSSD 983158)