Cottonwood 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.
Fed funds sold and reverse repos to assets dropped 0.81 percentage points in Q2 2026, from 15.40% to 14.59%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Cottonwood Valley Bank is 2nd from the bottom among 182 Kansas banks, 18.74% (Q2 2026). Cottonwood Valley Bank's loan-to-deposit ratio of 18.74% is well below the 67.92% median for banks in the < $100M asset tier, a gap of 49.18 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.6M |
| Fed funds sold and reverse repos | $5.6M |
| Fed funds sold and reverse repos to assets | 14.59% |
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 | 18.74% |
| Net loans and leases to deposits | 17.88% |
| Loans and leases to core deposits | 19.64% |
| Core deposits to total deposits | 95.40% |
| 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 | 12.73% | 96.07% | $0 | $0 |
| Q4 2023 | 11.41% | 96.26% | $0 | $0 |
| Q1 2024 | 11.09% | 95.93% | $0 | $0 |
| Q2 2024 | 12.01% | 95.68% | $0 | $0 |
| Q3 2024 | 11.30% | 95.83% | $0 | $0 |
| Q4 2024 | 12.50% | 95.62% | $0 | $0 |
| Q1 2025 | 11.12% | 96.35% | $0 | $0 |
| Q2 2025 | 22.05% | 96.20% | $0 | $0 |
| Q3 2025 | 20.90% | 96.35% | $0 | $0 |
| Q4 2025 | 19.75% | 95.37% | $0 | $0 |
| Q1 2026 | 18.02% | 95.51% | $0 | $0 |
| Q2 2026 | 18.74% | 95.40% | $0 | $0 |
Cottonwood Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cottonwood 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 Cottonwood Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17160) · FFIEC NIC profile (RSSD 921655)