Bank of Clarke: 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 32.1% in Q2 2026, from $80.3M to $54.5M. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Bank of Clarke is 13th of 56 on loan-to-deposit ratio, 93.90% as of Q2 2026, above the middle of the field. Bank of Clarke reported 93.90% on loan-to-deposit ratio for Q2 2026, 5.70 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $144.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $256.5M |
| Fed funds sold and reverse repos | $54.5M |
| Fed funds sold and reverse repos to assets | 2.95% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $11K |
| 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 | 93.90% |
| Net loans and leases to deposits | 92.76% |
| Loans and leases to core deposits | 105.62% |
| Core deposits to total deposits | 83.95% |
| Brokered deposits to total deposits | 4.96% |
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 | 96.27% | 85.90% | $0 | $145.0M |
| Q4 2023 | 97.14% | 85.82% | $0 | $165.0M |
| Q1 2024 | 97.71% | 86.51% | $347K | $155.0M |
| Q2 2024 | 97.51% | 86.09% | $302K | $145.0M |
| Q3 2024 | 96.14% | 84.90% | $244K | $170.0M |
| Q4 2024 | 93.22% | 83.61% | $0 | $120.0M |
| Q1 2025 | 89.87% | 84.35% | $0 | $65.0M |
| Q2 2025 | 81.44% | 85.77% | $172K | $40.0M |
| Q3 2025 | 88.31% | 84.87% | $101K | $40.0M |
| Q4 2025 | 91.92% | 82.15% | $0 | $40.0M |
| Q1 2026 | 91.53% | 84.16% | $0 | $0 |
| Q2 2026 | 93.90% | 83.95% | $11K | $0 |
Bank of Clarke liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarke, 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 Bank of Clarke profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6123) · FFIEC NIC profile (RSSD 753324)