City National Bank of West Virginia: 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.
Cash and balances due from depository institutions dropped 10.4% in Q2 2026, from $296.7M to $265.8M. It was the largest change from Q1 2026 among the key lines here. City National Bank of West Virginia ranks 21st of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 83.04% (Q2 2026). City National Bank of West Virginia reported 83.04% on loan-to-deposit ratio for Q2 2026, 5.16 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $265.8M |
| Cash and noninterest-bearing balances to assets | 3.93% |
| Cash and securities | $1.73B |
| 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 | $377.6M |
| Other borrowed money | $150.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.04% |
| Net loans and leases to deposits | 82.67% |
| Loans and leases to core deposits | 86.15% |
| Core deposits to total deposits | 96.40% |
| 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 | 80.80% | 97.37% | $278.7M | $100.0M |
| Q4 2023 | 82.54% | 97.39% | $309.9M | $125.0M |
| Q1 2024 | 80.13% | 97.20% | $304.9M | $150.0M |
| Q2 2024 | 80.69% | 96.88% | $322.7M | $150.0M |
| Q3 2024 | 81.17% | 96.63% | $339.2M | $150.0M |
| Q4 2024 | 81.24% | 96.52% | $325.7M | $150.0M |
| Q1 2025 | 80.03% | 96.36% | $347.7M | $150.0M |
| Q2 2025 | 81.64% | 96.38% | $339.8M | $150.0M |
| Q3 2025 | 83.07% | 96.36% | $369.0M | $150.0M |
| Q4 2025 | 82.70% | 96.41% | $367.7M | $150.0M |
| Q1 2026 | 82.50% | 96.42% | $374.8M | $150.0M |
| Q2 2026 | 83.04% | 96.40% | $377.6M | $150.0M |
City National Bank of West Virginia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of West Virginia, 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 City National Bank of West Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17735) · FFIEC NIC profile (RSSD 1011526)