Grove 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: 7.76 percentage points higher than in Q1 2026, at 91.57%. Within Minnesota, Grove Bank is 64th of 221 on loan-to-deposit ratio, 91.07% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Grove Bank sits 23.44 points higher, at 91.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $926K |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.7M |
| 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 | $0 |
| Other borrowed money | $3.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.07% |
| Net loans and leases to deposits | 90.23% |
| Loans and leases to core deposits | 91.57% |
| Core deposits to total deposits | 98.90% |
| Brokered deposits to total deposits | 0.55% |
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 | 90.46% | 100.00% | $0 | $5.3M |
| Q4 2023 | 86.10% | 98.59% | $0 | $5.2M |
| Q1 2024 | 86.33% | 98.69% | $0 | $4.7M |
| Q2 2024 | 80.68% | 98.79% | $0 | $4.8M |
| Q3 2024 | 82.39% | 98.72% | $0 | $4.7M |
| Q4 2024 | 84.99% | 98.13% | $0 | $4.7M |
| Q1 2025 | 74.48% | 98.30% | $0 | $6.1M |
| Q2 2025 | 79.17% | 98.91% | $0 | $4.5M |
| Q3 2025 | 75.43% | 80.45% | $0 | $4.4M |
| Q4 2025 | 79.83% | 84.88% | $0 | $4.4M |
| Q1 2026 | 83.33% | 98.86% | $0 | $3.3M |
| Q2 2026 | 91.07% | 98.90% | $0 | $3.7M |
Grove Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove 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 Grove Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8857) · FFIEC NIC profile (RSSD 79257)