The Freedom Bank of 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.
The standout move of Q2 2026 was in Other borrowed money: 123.7% higher than in Q1 2026, at $45.0M. Within Virginia, The Freedom Bank of Virginia is 25th of 56 on loan-to-deposit ratio, 88.86% as of Q2 2026, above the middle of the field. At 88.86%, The Freedom Bank of Virginia's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $201.0M |
| 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 | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.86% |
| Net loans and leases to deposits | 87.94% |
| Loans and leases to core deposits | 91.66% |
| Core deposits to total deposits | 72.75% |
| Brokered deposits to total deposits | 24.19% |
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 | 81.86% | 70.33% | $0 | $20.3M |
| Q4 2023 | 84.29% | 69.39% | $0 | $50.3M |
| Q1 2024 | 85.47% | 67.15% | $0 | $85.2M |
| Q2 2024 | 88.44% | 66.08% | $0 | $100.2M |
| Q3 2024 | 87.83% | 73.12% | $0 | $95.2M |
| Q4 2024 | 84.96% | 63.13% | $0 | $65.2M |
| Q1 2025 | 83.20% | 71.29% | $0 | $55.1M |
| Q2 2025 | 81.27% | 71.72% | $0 | $40.1M |
| Q3 2025 | 87.53% | 76.99% | $0 | $60.1M |
| Q4 2025 | 83.78% | 75.06% | $0 | $40.1M |
| Q1 2026 | 85.31% | 70.96% | $0 | $20.1M |
| Q2 2026 | 88.86% | 72.75% | $0 | $45.0M |
The Freedom Bank of Virginia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Freedom Bank of 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 The Freedom Bank of Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57184) · FFIEC NIC profile (RSSD 3019982)