The Bank of Vernon: 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.
Loans and leases to core deposits dropped 3.07 percentage points in Q2 2026, from 99.56% to 96.50%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, The Bank of Vernon is 14th of 93 on loan-to-deposit ratio, 89.05% as of Q2 2026, above the middle of the field. The Bank of Vernon reported 89.05% on loan-to-deposit ratio for Q2 2026, 8.21 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 | $48.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.5M |
| Fed funds sold and reverse repos | $598K |
| Fed funds sold and reverse repos to assets | 0.13% |
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 | 89.05% |
| Net loans and leases to deposits | 87.76% |
| Loans and leases to core deposits | 96.50% |
| Core deposits to total deposits | 89.54% |
| Brokered deposits to total deposits | 2.88% |
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 | 78.18% | 92.22% | $0 | $0 |
| Q4 2023 | 78.58% | 91.61% | $0 | $0 |
| Q1 2024 | 77.34% | 91.54% | $0 | $0 |
| Q2 2024 | 79.24% | 90.05% | $0 | $0 |
| Q3 2024 | 77.63% | 90.39% | $0 | $0 |
| Q4 2024 | 78.63% | 90.14% | $0 | $0 |
| Q1 2025 | 81.42% | 90.21% | $0 | $0 |
| Q2 2025 | 86.22% | 90.37% | $0 | $0 |
| Q3 2025 | 91.92% | 91.99% | $0 | $0 |
| Q4 2025 | 92.66% | 90.95% | $0 | $0 |
| Q1 2026 | 91.17% | 91.19% | $0 | $0 |
| Q2 2026 | 89.05% | 89.54% | $0 | $0 |
The Bank of Vernon 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 Vernon, 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 Vernon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 51) · FFIEC NIC profile (RSSD 382537)