The Bank of Romney: 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 dropped 29.9% in Q2 2026, from $10.6M to $7.4M. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Bank of Romney is 5th of 41 on loan-to-deposit ratio, 95.05% as of Q2 2026, above the middle of the field. The Bank of Romney reported 95.05% on loan-to-deposit ratio for Q2 2026, 14.21 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 | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.4M |
| 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 | $22.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.05% |
| Net loans and leases to deposits | 94.16% |
| Loans and leases to core deposits | 99.84% |
| Core deposits to total deposits | 95.20% |
| 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 | 102.19% | 91.82% | $0 | $48.3M |
| Q4 2023 | 102.17% | 90.16% | $0 | $48.0M |
| Q1 2024 | 96.27% | 87.46% | $0 | $38.7M |
| Q2 2024 | 97.14% | 87.74% | $0 | $35.9M |
| Q3 2024 | 97.73% | 90.17% | $0 | $33.1M |
| Q4 2024 | 100.70% | 90.69% | $0 | $34.8M |
| Q1 2025 | 96.00% | 93.54% | $0 | $32.1M |
| Q2 2025 | 98.11% | 95.38% | $0 | $31.1M |
| Q3 2025 | 93.52% | 94.68% | $0 | $26.8M |
| Q4 2025 | 94.93% | 94.24% | $0 | $26.6M |
| Q1 2026 | 94.36% | 94.71% | $0 | $25.3M |
| Q2 2026 | 95.05% | 95.20% | $0 | $22.0M |
The Bank of Romney liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Romney, 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 Bank of Romney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 845) · FFIEC NIC profile (RSSD 722432)