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 Loans and leases to core deposits: 1.58 percentage points lower than in Q1 2026, at 109.70%. Great Southern Bank ranks 20th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 100.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Great Southern Bank sits 11.87 points higher, at 100.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $184.4M |
| Cash and noninterest-bearing balances to assets | 3.34% |
| Cash and securities | $863.4M |
| 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 | $39.9M |
| Other borrowed money | $445.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.07% |
| Net loans and leases to deposits | 98.61% |
| Loans and leases to core deposits | 109.70% |
| Core deposits to total deposits | 84.37% |
| Brokered deposits to total deposits | 13.15% |
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 | 94.51% | 81.65% | $58.2M | $82.5M |
| Q4 2023 | 97.62% | 81.73% | $70.8M | $251.0M |
| Q1 2024 | 96.51% | 82.24% | $72.8M | $180.0M |
| Q2 2024 | 100.75% | 82.04% | $74.2M | $475.0M |
| Q3 2024 | 100.11% | 81.63% | $75.8M | $441.0M |
| Q4 2024 | 101.35% | 83.32% | $64.4M | $513.0M |
| Q1 2025 | 98.02% | 82.19% | $75.3M | $359.0M |
| Q2 2025 | 97.67% | 83.41% | $54.8M | $369.0M |
| Q3 2025 | 99.44% | 85.65% | $42.7M | $425.0M |
| Q4 2025 | 97.44% | 83.72% | $48.5M | $330.0M |
| Q1 2026 | 100.46% | 83.62% | $37.2M | $470.0M |
| Q2 2026 | 100.07% | 84.37% | $39.9M | $445.0M |
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 29546) · FFIEC NIC profile (RSSD 572374)