Cedar Valley Bank & Trust: 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 Brokered deposits to total deposits: 8.61 percentage points lower than in Q1 2026, at 0.00%. Within Iowa, Cedar Valley Bank & Trust is 35th of 225 on loan-to-deposit ratio, 98.71% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cedar Valley Bank & Trust sits 18.15 points higher, at 98.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.3M |
| Fed funds sold and reverse repos | $517K |
| Fed funds sold and reverse repos to assets | 0.41% |
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 | 98.71% |
| Net loans and leases to deposits | 97.96% |
| Loans and leases to core deposits | 108.90% |
| Core deposits to total deposits | 90.64% |
| 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 | 111.41% | 91.44% | $0 | $11.5M |
| Q4 2023 | 116.05% | 92.64% | $0 | $9.5M |
| Q1 2024 | 104.47% | 88.31% | $0 | $2.0M |
| Q2 2024 | 103.64% | 88.86% | $0 | $2.0M |
| Q3 2024 | 114.63% | 86.73% | $950K | $5.8M |
| Q4 2024 | 114.56% | 86.92% | $0 | $6.8M |
| Q1 2025 | 114.78% | 91.77% | $0 | $4.0M |
| Q2 2025 | 116.45% | 91.29% | $0 | $1.0M |
| Q3 2025 | 122.18% | 91.37% | $0 | $5.0M |
| Q4 2025 | 103.42% | 90.26% | $950K | $0 |
| Q1 2026 | 100.87% | 90.61% | $0 | $0 |
| Q2 2026 | 98.71% | 90.64% | $0 | $0 |
Cedar Valley Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Valley Bank & Trust, 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 Cedar Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14694) · FFIEC NIC profile (RSSD 1014246)