Guaranty State Bank and Trust Company: 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 sold and reverse repos dropped 99.4% in Q2 2026, from $20.2M to $119K. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Guaranty State Bank and Trust Company is 76th of 182 on loan-to-deposit ratio, 79.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Guaranty State Bank and Trust Company reported 79.83% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.6M |
| Fed funds sold and reverse repos | $119K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.83% |
| Net loans and leases to deposits | 78.96% |
| Loans and leases to core deposits | 82.47% |
| Core deposits to total deposits | 95.42% |
| Brokered deposits to total deposits | 1.39% |
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 | 82.82% | 93.24% | $0 | $45.0M |
| Q4 2023 | 79.18% | 93.50% | $0 | $28.9M |
| Q1 2024 | 78.32% | 94.39% | $0 | $21.4M |
| Q2 2024 | 83.32% | 94.88% | $0 | $35.7M |
| Q3 2024 | 85.57% | 94.17% | $0 | $45.3M |
| Q4 2024 | 85.96% | 95.46% | $0 | $42.3M |
| Q1 2025 | 79.41% | 95.34% | $0 | $27.8M |
| Q2 2025 | 82.18% | 95.12% | $0 | $25.8M |
| Q3 2025 | 83.25% | 95.08% | $0 | $28.8M |
| Q4 2025 | 82.62% | 95.42% | $0 | $18.8M |
| Q1 2026 | 75.95% | 95.42% | $0 | $11.5M |
| Q2 2026 | 79.83% | 95.42% | $0 | $14.5M |
Guaranty State Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty State Bank and Trust Company, 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 State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10907) · FFIEC NIC profile (RSSD 1009756)