Buena Vista National 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: 3.66 percentage points higher than in Q1 2026, at 88.44%. Buena Vista National Bank ranks 136th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 79.03% (Q2 2026). At 79.03%, Buena Vista National Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.2M |
| 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 | $9.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.03% |
| Net loans and leases to deposits | 77.90% |
| Loans and leases to core deposits | 88.44% |
| Core deposits to total deposits | 89.36% |
| 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 | 73.92% | 94.51% | $1.7M | $15.0M |
| Q4 2023 | 67.61% | 94.55% | $0 | $15.0M |
| Q1 2024 | 70.22% | 93.28% | $0 | $15.0M |
| Q2 2024 | 74.59% | 93.04% | $0 | $15.0M |
| Q3 2024 | 72.36% | 92.02% | $0 | $10.0M |
| Q4 2024 | 72.32% | 91.62% | $0 | $14.1M |
| Q1 2025 | 69.87% | 91.42% | $0 | $14.1M |
| Q2 2025 | 70.54% | 91.73% | $0 | $14.1M |
| Q3 2025 | 76.33% | 91.61% | $0 | $9.1M |
| Q4 2025 | 77.17% | 89.80% | $0 | $9.1M |
| Q1 2026 | 75.73% | 89.32% | $0 | $9.1M |
| Q2 2026 | 79.03% | 89.36% | $0 | $9.1M |
Buena Vista National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Buena Vista National 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 Buena Vista National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10844) · FFIEC NIC profile (RSSD 621441)