Cache 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 Loan-to-deposit ratio: 3.13 percentage points higher than in Q1 2026, at 87.61%. Within Utah, Cache Valley Bank is 25th of 44 on loan-to-deposit ratio, 87.61% as of Q2 2026. At 87.61%, Cache Valley Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $512.1M |
| Cash and noninterest-bearing balances to assets | 14.36% |
| Cash and securities | $668.2M |
| Fed funds sold and reverse repos | $11.2M |
| Fed funds sold and reverse repos to assets | 0.32% |
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 | 87.61% |
| Net loans and leases to deposits | 86.49% |
| Loans and leases to core deposits | 95.82% |
| Core deposits to total deposits | 91.44% |
| 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 | 85.95% | 91.90% | $0 | $4.1M |
| Q4 2023 | 92.72% | 91.58% | $0 | $2.9M |
| Q1 2024 | 91.67% | 88.81% | $0 | $2.2M |
| Q2 2024 | 93.41% | 85.59% | $0 | $2.2M |
| Q3 2024 | 87.60% | 87.51% | $0 | $0 |
| Q4 2024 | 82.74% | 86.60% | $0 | $0 |
| Q1 2025 | 83.56% | 87.87% | $0 | $0 |
| Q2 2025 | 87.17% | 87.05% | $0 | $0 |
| Q3 2025 | 81.52% | 87.34% | $0 | $0 |
| Q4 2025 | 81.08% | 86.95% | $0 | $0 |
| Q1 2026 | 84.48% | 88.58% | $0 | $0 |
| Q2 2026 | 87.61% | 91.44% | $0 | $0 |
Cache Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cache 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 Cache Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22134) · FFIEC NIC profile (RSSD 995076)