FVCbank: 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 Cash and balances due from depository institutions: 30.9% higher than in Q1 2026, at $251.0M. Within Virginia, FVCbank is 17th of 56 on loan-to-deposit ratio, 92.27% as of Q2 2026. FVCbank reported 92.27% on loan-to-deposit ratio for Q2 2026, 4.07 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $251.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $398.2M |
| 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 | $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 | 92.27% |
| Net loans and leases to deposits | 91.34% |
| Loans and leases to core deposits | 100.06% |
| Core deposits to total deposits | 80.50% |
| Brokered deposits to total deposits | 11.72% |
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 | 92.64% | 76.71% | $0 | $50.0M |
| Q4 2023 | 99.09% | 78.86% | $0 | $85.0M |
| Q1 2024 | 99.64% | 78.42% | $0 | $57.0M |
| Q2 2024 | 95.71% | 79.95% | $0 | $57.0M |
| Q3 2024 | 95.49% | 80.08% | $0 | $57.0M |
| Q4 2024 | 99.92% | 78.28% | $0 | $50.0M |
| Q1 2025 | 98.64% | 77.65% | $0 | $50.0M |
| Q2 2025 | 98.10% | 78.52% | $0 | $50.0M |
| Q3 2025 | 93.86% | 79.59% | $0 | $50.0M |
| Q4 2025 | 97.14% | 77.86% | $0 | $0 |
| Q1 2026 | 94.41% | 79.01% | $0 | $0 |
| Q2 2026 | 92.27% | 80.50% | $0 | $0 |
FVCbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FVCbank, 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 FVCbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58696) · FFIEC NIC profile (RSSD 3614976)