Bank of the Valley: 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 Cash and balances due from depository institutions: 47.1% higher than in Q1 2026, at $34.8M. Bank of the Valley ranks 32nd of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 93.07% (Q2 2026). Bank of the Valley reported 93.07% on loan-to-deposit ratio for Q2 2026, 12.13 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 | $34.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.7M |
| Fed funds sold and reverse repos | $800K |
| Fed funds sold and reverse repos to assets | 0.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $35.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.07% |
| Net loans and leases to deposits | 91.80% |
| Loans and leases to core deposits | 100.37% |
| Core deposits to total deposits | 86.23% |
| Brokered deposits to total deposits | 6.49% |
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 | 93.66% | 80.71% | $0 | $394K |
| Q4 2023 | 91.47% | 63.24% | $0 | $7.4M |
| Q1 2024 | 90.70% | 81.32% | $0 | $7.4M |
| Q2 2024 | 89.61% | 81.12% | $0 | $7.2M |
| Q3 2024 | 96.65% | 63.80% | $0 | $15.8M |
| Q4 2024 | 96.01% | 64.52% | $0 | $14.6M |
| Q1 2025 | 92.65% | 67.26% | $0 | $23.7M |
| Q2 2025 | 93.74% | 65.88% | $0 | $31.1M |
| Q3 2025 | 93.75% | 66.51% | $0 | $27.6M |
| Q4 2025 | 95.50% | 68.03% | $0 | $33.4M |
| Q1 2026 | 93.85% | 85.65% | $0 | $28.1M |
| Q2 2026 | 93.07% | 86.23% | $0 | $35.1M |
Bank of the Valley liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Valley, 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 the Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25291) · FFIEC NIC profile (RSSD 478195)