Grundy 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: 23.97 percentage points lower than in Q1 2026, at 55.66%. Grundy Bank ranks 257th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 55.41% (Q2 2026). Grundy Bank reported 55.41% on loan-to-deposit ratio for Q2 2026, 25.43 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 | $189.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $245.1M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.41% |
| Net loans and leases to deposits | 54.78% |
| Loans and leases to core deposits | 55.66% |
| Core deposits to total deposits | 99.54% |
| 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 | 73.52% | 99.48% | $0 | $0 |
| Q4 2023 | 77.30% | 99.47% | $0 | $0 |
| Q1 2024 | 79.26% | 99.38% | $0 | $0 |
| Q2 2024 | 76.76% | 99.41% | $0 | $0 |
| Q3 2024 | 68.11% | 99.46% | $0 | $0 |
| Q4 2024 | 82.26% | 99.48% | $0 | $0 |
| Q1 2025 | 81.18% | 99.10% | $0 | $0 |
| Q2 2025 | 61.49% | 99.03% | $0 | $0 |
| Q3 2025 | 74.70% | 98.76% | $0 | $0 |
| Q4 2025 | 83.15% | 98.80% | $0 | $0 |
| Q1 2026 | 79.01% | 99.22% | $0 | $0 |
| Q2 2026 | 55.41% | 99.54% | $0 | $0 |
Grundy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Grundy 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 Grundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3713) · FFIEC NIC profile (RSSD 715144)