Eagle 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.
Loans and leases to core deposits climbed 6.87 percentage points in Q2 2026, from 95.91% to 102.79%. It was the largest change from Q1 2026 among the key lines here. Eagle Valley Bank ranks 44th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 94.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Eagle Valley Bank sits 13.83 points higher, at 94.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.3M |
| 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 | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.38% |
| Net loans and leases to deposits | 93.33% |
| Loans and leases to core deposits | 102.79% |
| Core deposits to total deposits | 91.82% |
| 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 | 73.50% | 97.11% | $0 | $2.0M |
| Q4 2023 | 75.96% | 98.01% | $2.0M | $2.0M |
| Q1 2024 | 75.89% | 96.74% | $0 | $2.0M |
| Q2 2024 | 78.66% | 96.14% | $208K | $2.0M |
| Q3 2024 | 73.58% | 95.17% | $0 | $1.0M |
| Q4 2024 | 58.47% | 87.35% | $0 | $1.0M |
| Q1 2025 | 63.26% | 94.58% | $0 | $1.0M |
| Q2 2025 | 88.28% | 93.39% | $0 | $2.0M |
| Q3 2025 | 91.94% | 93.17% | $0 | $1.0M |
| Q4 2025 | 87.69% | 92.50% | $0 | $500K |
| Q1 2026 | 88.67% | 92.44% | $0 | $500K |
| Q2 2026 | 94.38% | 91.82% | $0 | $1.0M |
Eagle Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle 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 Eagle Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10883) · FFIEC NIC profile (RSSD 695947)