Bayvanguard Bank: 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 Other borrowed money: 83.4% lower than in Q1 2026, at $7.0M. Bayvanguard Bank ranks 4th of 27 Maryland banks on loan-to-deposit ratio, in the upper half at 103.08% (Q2 2026). Bayvanguard Bank reported 103.08% on loan-to-deposit ratio for Q2 2026, 22.25 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 | $68.9M |
| Cash and noninterest-bearing balances to assets | 7.93% |
| Cash and securities | $106.8M |
| 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 | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.08% |
| Net loans and leases to deposits | 102.18% |
| Loans and leases to core deposits | 107.36% |
| Core deposits to total deposits | 88.71% |
| Brokered deposits to total deposits | 7.31% |
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 | 102.21% | 93.51% | $0 | $45.3M |
| Q4 2023 | 103.17% | 95.64% | $0 | $7.3M |
| Q1 2024 | 103.14% | 94.57% | $0 | $7.3M |
| Q2 2024 | 101.60% | 93.98% | $0 | $7.3M |
| Q3 2024 | 101.49% | 94.07% | $0 | $7.3M |
| Q4 2024 | 107.49% | 89.24% | $0 | $22.2M |
| Q1 2025 | 107.98% | 89.43% | $0 | $22.2M |
| Q2 2025 | 108.09% | 89.69% | $0 | $7.2M |
| Q3 2025 | 108.47% | 89.65% | $0 | $7.2M |
| Q4 2025 | 109.47% | 89.01% | $0 | $42.0M |
| Q1 2026 | 107.10% | 88.92% | $0 | $42.0M |
| Q2 2026 | 103.08% | 88.71% | $0 | $7.0M |
Bayvanguard Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayvanguard Bank, 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 Bayvanguard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32527) · FFIEC NIC profile (RSSD 242976)