Guaranty Bank Inc.: 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: 172.3% higher than in Q1 2026, at $5.1M. Within West Virginia, Guaranty Bank Inc. is 7th of 41 on loan-to-deposit ratio, 92.68% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Guaranty Bank Inc. sits 11.84 points higher, at 92.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.4M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 3.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.68% |
| Net loans and leases to deposits | 91.14% |
| Loans and leases to core deposits | 99.57% |
| Core deposits to total deposits | 79.60% |
| Brokered deposits to total deposits | 13.48% |
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 | 97.36% | 79.17% | $0 | $4.6M |
| Q4 2023 | 97.22% | 79.60% | $0 | $3.9M |
| Q1 2024 | 99.59% | 79.65% | $0 | $3.2M |
| Q2 2024 | 102.58% | 79.24% | $0 | $4.5M |
| Q3 2024 | 101.53% | 78.37% | $0 | $3.9M |
| Q4 2024 | 99.46% | 77.71% | $0 | $3.6M |
| Q1 2025 | 97.08% | 79.17% | $0 | $3.2M |
| Q2 2025 | 100.22% | 78.85% | $0 | $2.8M |
| Q3 2025 | 99.77% | 78.39% | $0 | $2.5M |
| Q4 2025 | 97.98% | 78.60% | $0 | $2.4M |
| Q1 2026 | 94.99% | 79.80% | $0 | $2.4M |
| Q2 2026 | 92.68% | 79.60% | $0 | $2.4M |
Guaranty Bank Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank Inc., 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 Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22273) · FFIEC NIC profile (RSSD 706236)