Grinnell 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 Fed funds sold and reverse repos: 53.6% lower than in Q1 2026, at $8.5M. Among 225 Iowa banks, Grinnell State Bank sits 10th from the top on loan-to-deposit ratio, 107.91% as of Q2 2026. Grinnell State Bank reported 107.91% on loan-to-deposit ratio for Q2 2026, 27.08 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 | $16.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.9M |
| Fed funds sold and reverse repos | $8.5M |
| Fed funds sold and reverse repos to assets | 1.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $28.1M |
| Other borrowed money | $72.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.91% |
| Net loans and leases to deposits | 106.78% |
| Loans and leases to core deposits | 124.77% |
| Core deposits to total deposits | 86.49% |
| 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 | 91.73% | 92.04% | $7.1M | $55.2M |
| Q4 2023 | 91.19% | 92.93% | $5.1M | $59.2M |
| Q1 2024 | 96.99% | 91.96% | $14.9M | $62.5M |
| Q2 2024 | 105.73% | 91.97% | $16.5M | $89.1M |
| Q3 2024 | 109.87% | 91.41% | $16.3M | $102.9M |
| Q4 2024 | 112.90% | 92.90% | $14.2M | $103.6M |
| Q1 2025 | 112.35% | 92.95% | $18.3M | $99.5M |
| Q2 2025 | 113.36% | 89.15% | $24.5M | $96.7M |
| Q3 2025 | 114.84% | 90.20% | $24.6M | $90.0M |
| Q4 2025 | 103.70% | 86.58% | $19.5M | $83.7M |
| Q1 2026 | 103.86% | 86.33% | $19.7M | $75.5M |
| Q2 2026 | 107.91% | 86.49% | $28.1M | $72.3M |
Grinnell State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grinnell 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 Grinnell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11347) · FFIEC NIC profile (RSSD 783246)