Belt Valley 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 Loans and leases to core deposits: 8.55 percentage points higher than in Q1 2026, at 109.28%. Among 35 Montana banks, Belt Valley Bank sits 3rd from the top on loan-to-deposit ratio, 99.96% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Belt Valley Bank sits 32.34 points higher, at 99.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.1M |
| Fed funds sold and reverse repos | $345K |
| Fed funds sold and reverse repos to assets | 0.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.96% |
| Net loans and leases to deposits | 98.67% |
| Loans and leases to core deposits | 109.28% |
| Core deposits to total deposits | 91.48% |
| 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 | 98.28% | 93.31% | $25K | $4.8M |
| Q4 2023 | 93.20% | 93.55% | $0 | $4.3M |
| Q1 2024 | 100.10% | 94.70% | $0 | $3.9M |
| Q2 2024 | 112.11% | 95.48% | $0 | $8.1M |
| Q3 2024 | 107.15% | 87.11% | $0 | $7.4M |
| Q4 2024 | 99.14% | 86.46% | $0 | $1.8M |
| Q1 2025 | 102.30% | 94.32% | $0 | $2.0M |
| Q2 2025 | 107.03% | 93.95% | $0 | $1.9M |
| Q3 2025 | 110.16% | 92.58% | $0 | $1.5M |
| Q4 2025 | 98.02% | 93.28% | $0 | $1.5M |
| Q1 2026 | 92.45% | 91.78% | $0 | $1.5M |
| Q2 2026 | 99.96% | 91.48% | $0 | $2.2M |
Belt Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Belt Valley 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 Belt Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15362) · FFIEC NIC profile (RSSD 223751)