Grove Bank & Trust: 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.
Fed funds purchased and repos climbed 66.8% in Q2 2026, from $6.7M to $11.2M. It was the largest change from Q1 2026 among the key lines here. Within Florida, Grove Bank & Trust is 53rd of 81 on loan-to-deposit ratio, 71.77% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Grove Bank & Trust sits 16.43 points lower, at 71.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $215.9M |
| Cash and noninterest-bearing balances to assets | 15.27% |
| Cash and securities | $502.4M |
| 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 | $11.2M |
| Other borrowed money | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.77% |
| Net loans and leases to deposits | 70.77% |
| Loans and leases to core deposits | 73.78% |
| Core deposits to total deposits | 97.28% |
| 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 | 50.95% | 98.43% | $13.9M | $50.0M |
| Q4 2023 | 63.53% | 98.43% | $14.1M | $110.0M |
| Q1 2024 | 62.34% | 97.97% | $12.9M | $125.0M |
| Q2 2024 | 64.64% | 97.08% | $17.6M | $125.0M |
| Q3 2024 | 65.18% | 96.58% | $15.0M | $125.0M |
| Q4 2024 | 73.03% | 96.21% | $15.5M | $125.0M |
| Q1 2025 | 65.90% | 96.78% | $13.2M | $90.0M |
| Q2 2025 | 64.14% | 97.06% | $18.1M | $50.0M |
| Q3 2025 | 69.00% | 96.90% | $17.1M | $50.0M |
| Q4 2025 | 71.28% | 97.14% | $20.5M | $50.0M |
| Q1 2026 | 70.40% | 97.24% | $6.7M | $80.0M |
| Q2 2026 | 71.77% | 97.28% | $11.2M | $50.0M |
Grove Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8018) · FFIEC NIC profile (RSSD 648130)