Gulf Coast Business 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.
Core deposits to total deposits climbed 7.48 percentage points in Q2 2026, from 70.75% to 78.24%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Gulf Coast Business Bank is 10th of 81 on loan-to-deposit ratio, 98.57% as of Q2 2026, above the middle of the field. Gulf Coast Business Bank reported 98.57% on loan-to-deposit ratio for Q2 2026, 17.73 points above 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 | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.9M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 1.26% |
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 | 98.57% |
| Net loans and leases to deposits | 97.29% |
| Loans and leases to core deposits | 109.96% |
| Core deposits to total deposits | 78.24% |
| Brokered deposits to total deposits | 11.41% |
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 | 80.08% | 85.96% | $0 | $0 |
| Q4 2023 | 77.21% | 88.45% | $0 | $0 |
| Q1 2024 | 93.23% | 87.09% | $0 | $0 |
| Q2 2024 | 93.93% | 87.84% | $0 | $0 |
| Q3 2024 | 88.14% | 83.56% | $0 | $0 |
| Q4 2024 | 92.73% | 84.00% | $0 | $0 |
| Q1 2025 | 89.68% | 81.44% | $0 | $0 |
| Q2 2025 | 94.87% | 69.61% | $0 | $0 |
| Q3 2025 | 100.07% | 63.25% | $0 | $0 |
| Q4 2025 | 96.96% | 60.73% | $0 | $0 |
| Q1 2026 | 91.12% | 70.75% | $0 | $0 |
| Q2 2026 | 98.57% | 78.24% | $0 | $0 |
Gulf Coast Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Business 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 Gulf Coast Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59281) · FFIEC NIC profile (RSSD 5724226)