The Gunnison 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.60 percentage points higher than in Q1 2026, at 96.75%. Within Colorado, The Gunnison Bank and Trust Company is 27th of 63 on loan-to-deposit ratio, 87.51% as of Q2 2026, above the middle of the field. The Gunnison Bank and Trust Company reported 87.51% on loan-to-deposit ratio for Q2 2026, 6.57 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.5M |
| Fed funds sold and reverse repos | $16.6M |
| Fed funds sold and reverse repos to assets | 6.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.51% |
| Net loans and leases to deposits | 86.51% |
| Loans and leases to core deposits | 96.75% |
| Core deposits to total deposits | 89.22% |
| Brokered deposits to total deposits | 3.61% |
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 | 74.59% | 96.51% | $0 | $20.0M |
| Q4 2023 | 79.71% | 96.52% | $0 | $20.0M |
| Q1 2024 | 78.90% | 94.04% | $0 | $25.0M |
| Q2 2024 | 83.04% | 90.44% | $0 | $21.0M |
| Q3 2024 | 81.19% | 90.23% | $0 | $21.0M |
| Q4 2024 | 76.85% | 94.31% | $0 | $5.0M |
| Q1 2025 | 83.00% | 94.59% | $0 | $5.0M |
| Q2 2025 | 85.21% | 91.66% | $0 | $10.0M |
| Q3 2025 | 78.40% | 91.72% | $0 | $10.0M |
| Q4 2025 | 79.66% | 91.01% | $0 | $10.0M |
| Q1 2026 | 85.46% | 90.46% | $0 | $10.0M |
| Q2 2026 | 87.51% | 89.22% | $0 | $10.0M |
The Gunnison 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 The Gunnison 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 The Gunnison Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11259) · FFIEC NIC profile (RSSD 502559)