G.W. Jones Exchange 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.
Cash and balances due from depository institutions climbed 43.5% in Q2 2026, from $31.0M to $44.6M. It was the largest change from Q1 2026 among the key lines here. G.W. Jones Exchange Bank has the 2nd lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 22.32% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, G.W. Jones Exchange Bank reported 22.32% on loan-to-deposit ratio in Q2 2026, 58.51 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.8M |
| 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 | $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 | 22.32% |
| Net loans and leases to deposits | 22.09% |
| Loans and leases to core deposits | 22.46% |
| Core deposits to total deposits | 99.38% |
| Brokered deposits to total deposits | 0.00% |
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 | 21.29% | 97.92% | $0 | $0 |
| Q4 2023 | 21.34% | 99.21% | $0 | $0 |
| Q1 2024 | 21.62% | 99.44% | $0 | $0 |
| Q2 2024 | 26.99% | 99.29% | $0 | $0 |
| Q3 2024 | 27.41% | 99.30% | $0 | $0 |
| Q4 2024 | 25.67% | 99.33% | $0 | $0 |
| Q1 2025 | 24.77% | 99.33% | $0 | $0 |
| Q2 2025 | 24.42% | 99.32% | $0 | $0 |
| Q3 2025 | 24.62% | 99.33% | $0 | $0 |
| Q4 2025 | 24.87% | 99.33% | $0 | $0 |
| Q1 2026 | 25.16% | 99.31% | $0 | $0 |
| Q2 2026 | 22.32% | 99.38% | $0 | $0 |
G.W. Jones Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock G.W. Jones Exchange 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 G.W. Jones Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 999) · FFIEC NIC profile (RSSD 540542)