The Fayette County National Bank of Fayetteville: 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.
Other borrowed money climbed 22.2% in Q2 2026, from $9.0M to $11.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Fayette County National Bank of Fayetteville is 3rd from the bottom among 41 West Virginia banks, 54.55% (Q2 2026). The Fayette County National Bank of Fayetteville reported 54.55% on loan-to-deposit ratio for Q2 2026, 26.29 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 | $1.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.4M |
| 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 | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.55% |
| Net loans and leases to deposits | 53.93% |
| Loans and leases to core deposits | 57.37% |
| Core deposits to total deposits | 95.10% |
| 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 | 50.34% | 97.85% | $0 | $0 |
| Q4 2023 | 51.43% | 98.27% | $0 | $250K |
| Q1 2024 | 50.58% | 97.72% | $0 | $3.2M |
| Q2 2024 | 52.96% | 97.40% | $0 | $3.8M |
| Q3 2024 | 55.11% | 96.53% | $0 | $5.0M |
| Q4 2024 | 53.55% | 96.47% | $0 | $3.1M |
| Q1 2025 | 51.74% | 95.54% | $0 | $1.4M |
| Q2 2025 | 52.90% | 95.26% | $0 | $3.9M |
| Q3 2025 | 52.60% | 95.54% | $0 | $4.4M |
| Q4 2025 | 53.70% | 94.97% | $0 | $11.0M |
| Q1 2026 | 52.91% | 95.35% | $0 | $9.0M |
| Q2 2026 | 54.55% | 95.10% | $0 | $11.0M |
The Fayette County National Bank of Fayetteville liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fayette County National Bank of Fayetteville, 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 The Fayette County National Bank of Fayetteville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6762) · FFIEC NIC profile (RSSD 488420)