Guaranty 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.
Loans and leases to core deposits dropped 10.25 percentage points in Q2 2026, from 113.18% to 102.93%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Guaranty Bank is 31st of 192 on loan-to-deposit ratio, 97.60% as of Q2 2026, above the middle of the field. Guaranty Bank reported 97.60% on loan-to-deposit ratio for Q2 2026, 9.40 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.7M |
| Cash and noninterest-bearing balances to assets | 1.25% |
| Cash and securities | $318.1M |
| 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 | $69.2M |
| Other borrowed money | $24.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.60% |
| Net loans and leases to deposits | 96.10% |
| Loans and leases to core deposits | 102.93% |
| Core deposits to total deposits | 77.46% |
| Brokered deposits to total deposits | 17.36% |
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 | 101.63% | 88.97% | $1.7M | $146.1M |
| Q4 2023 | 99.65% | 77.19% | $0 | $126.1M |
| Q1 2024 | 103.72% | 76.17% | $62.0M | $131.0M |
| Q2 2024 | 103.12% | 72.68% | $3.0M | $181.0M |
| Q3 2024 | 102.98% | 71.12% | $1.8M | $176.0M |
| Q4 2024 | 99.46% | 70.23% | $0 | $111.1M |
| Q1 2025 | 97.46% | 69.83% | $25.9M | $61.1M |
| Q2 2025 | 98.19% | 76.57% | $2.0M | $91.0M |
| Q3 2025 | 103.28% | 72.25% | $0 | $203.7M |
| Q4 2025 | 101.78% | 71.95% | $81.4M | $82.8M |
| Q1 2026 | 106.94% | 72.71% | $215.0M | $27.8M |
| Q2 2026 | 97.60% | 77.46% | $69.2M | $24.9M |
Guaranty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty 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 Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58892) · FFIEC NIC profile (RSSD 3804535)