Cumberland Valley National Bank & Trust Company: 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: 1.83 percentage points higher than in Q1 2026, at 94.28%. Cumberland Valley National Bank & Trust Company ranks 84th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 75.87% (Q2 2026). Cumberland Valley National Bank & Trust Company reported 75.87% on loan-to-deposit ratio for Q2 2026, 4.97 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $117.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $239.3M |
| Fed funds sold and reverse repos | $54K |
| Fed funds sold and reverse repos to assets | 0.01% |
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 | 75.87% |
| Net loans and leases to deposits | 74.83% |
| Loans and leases to core deposits | 94.28% |
| Core deposits to total deposits | 80.47% |
| 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 | 74.41% | 86.34% | $0 | $57K |
| Q4 2023 | 75.72% | 86.07% | $0 | $47K |
| Q1 2024 | 75.98% | 86.16% | $0 | $32K |
| Q2 2024 | 76.42% | 83.73% | $0 | $8.0M |
| Q3 2024 | 79.62% | 79.86% | $0 | $4.0M |
| Q4 2024 | 74.58% | 80.09% | $0 | $8K |
| Q1 2025 | 75.71% | 80.79% | $0 | $0 |
| Q2 2025 | 77.77% | 78.58% | $0 | $0 |
| Q3 2025 | 78.32% | 78.79% | $0 | $0 |
| Q4 2025 | 76.38% | 79.16% | $0 | $0 |
| Q1 2026 | 74.55% | 80.63% | $0 | $0 |
| Q2 2026 | 75.87% | 80.47% | $0 | $0 |
Cumberland Valley National Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Valley National Bank & Trust Company, 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 Cumberland Valley National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2691) · FFIEC NIC profile (RSSD 647218)