Great Southern 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 Other borrowed money: 200.0% higher than in Q1 2026, at $15.0M. On loan-to-deposit ratio, Great Southern Bank is 5th from the bottom among 57 Mississippi banks, 46.06% (Q2 2026). Great Southern Bank reported 46.06% on loan-to-deposit ratio for Q2 2026, 34.78 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 | $29.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $195.3M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.59% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.06% |
| Net loans and leases to deposits | 45.76% |
| Loans and leases to core deposits | 48.25% |
| Core deposits to total deposits | 93.83% |
| Brokered deposits to total deposits | 1.63% |
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 | 45.69% | 94.11% | $0 | $18.0M |
| Q4 2023 | 47.17% | 93.84% | $0 | $22.0M |
| Q1 2024 | 45.55% | 93.62% | $0 | $24.0M |
| Q2 2024 | 45.25% | 93.07% | $0 | $24.0M |
| Q3 2024 | 45.48% | 93.39% | $0 | $24.0M |
| Q4 2024 | 43.71% | 94.43% | $0 | $8.0M |
| Q1 2025 | 42.65% | 95.62% | $0 | $0 |
| Q2 2025 | 44.99% | 95.02% | $0 | $0 |
| Q3 2025 | 47.00% | 95.00% | $0 | $0 |
| Q4 2025 | 47.87% | 95.37% | $0 | $0 |
| Q1 2026 | 46.69% | 95.41% | $0 | $5.0M |
| Q2 2026 | 46.06% | 93.83% | $0 | $15.0M |
Great Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Southern 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 Great Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8552) · FFIEC NIC profile (RSSD 101738)