The Bank of Southside Virginia: 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.
Other borrowed money climbed 204.2% in Q2 2026, from $12.0M to $36.5M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of Southside Virginia is 4th from the bottom among 56 Virginia banks, 55.05% (Q2 2026). The Bank of Southside Virginia reported 55.05% on loan-to-deposit ratio for Q2 2026, 25.79 points below 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 | $24.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $361.4M |
| Fed funds sold and reverse repos | $100K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $36.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.05% |
| Net loans and leases to deposits | 54.28% |
| Loans and leases to core deposits | 56.57% |
| Core deposits to total deposits | 97.31% |
| 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 | 56.13% | 97.63% | $0 | $14.0M |
| Q4 2023 | 59.42% | 97.69% | $0 | $17.0M |
| Q1 2024 | 62.57% | 97.38% | $0 | $34.3M |
| Q2 2024 | 64.96% | 97.01% | $0 | $32.1M |
| Q3 2024 | 67.80% | 97.04% | $0 | $55.7M |
| Q4 2024 | 65.60% | 97.15% | $0 | $61.1M |
| Q1 2025 | 63.77% | 96.32% | $0 | $49.3M |
| Q2 2025 | 63.55% | 96.29% | $0 | $49.2M |
| Q3 2025 | 59.69% | 97.25% | $0 | $30.0M |
| Q4 2025 | 58.64% | 97.13% | $0 | $40.5M |
| Q1 2026 | 54.42% | 97.31% | $0 | $12.0M |
| Q2 2026 | 55.05% | 97.31% | $0 | $36.5M |
The Bank of Southside Virginia 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 Southside Virginia, 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 Southside Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11580) · FFIEC NIC profile (RSSD 610128)