The Granville 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 Fed funds sold and reverse repos: 96.3% lower than in Q1 2026, at $85K. The Granville National Bank ranks 278th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 51.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Granville National Bank sits 29.36 points lower, at 51.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.4M |
| Fed funds sold and reverse repos | $85K |
| Fed funds sold and reverse repos to assets | 0.07% |
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 | 51.48% |
| Net loans and leases to deposits | 50.79% |
| Loans and leases to core deposits | 52.41% |
| Core deposits to total deposits | 98.22% |
| 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 | 44.69% | 98.77% | $497K | $0 |
| Q4 2023 | 46.37% | 98.42% | $0 | $3.0M |
| Q1 2024 | 46.62% | 98.16% | $0 | $2.0M |
| Q2 2024 | 47.77% | 98.46% | $0 | $1.0M |
| Q3 2024 | 47.70% | 97.97% | $71K | $1.0M |
| Q4 2024 | 50.19% | 97.92% | $1.9M | $0 |
| Q1 2025 | 50.92% | 97.67% | $0 | $0 |
| Q2 2025 | 50.94% | 97.65% | $0 | $0 |
| Q3 2025 | 52.48% | 97.03% | $85K | $3.0M |
| Q4 2025 | 51.23% | 97.45% | $0 | $0 |
| Q1 2026 | 51.06% | 98.03% | $0 | $0 |
| Q2 2026 | 51.48% | 98.22% | $0 | $0 |
The Granville 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 Granville 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 Granville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13983) · FFIEC NIC profile (RSSD 560830)