The Juniata 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.79 percentage points higher than in Q1 2026, at 83.76%. Within Pennsylvania, The Juniata Valley Bank is 77th of 109 on loan-to-deposit ratio, 78.95% as of Q2 2026, below the middle of the field. At 78.95%, The Juniata Valley Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $238.6M |
| 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 | $10.7M |
| Other borrowed money | $33.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.95% |
| Net loans and leases to deposits | 78.01% |
| Loans and leases to core deposits | 83.76% |
| Core deposits to total deposits | 94.26% |
| 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 | 67.86% | 95.80% | $11.6M | $48.9M |
| Q4 2023 | 70.13% | 95.71% | $12.8M | $61.0M |
| Q1 2024 | 72.67% | 95.72% | $17.2M | $60.9M |
| Q2 2024 | 72.65% | 95.19% | $14.4M | $52.9M |
| Q3 2024 | 71.48% | 94.84% | $15.6M | $36.0M |
| Q4 2024 | 71.37% | 94.38% | $14.3M | $33.7M |
| Q1 2025 | 71.98% | 94.61% | $16.3M | $33.6M |
| Q2 2025 | 73.26% | 94.52% | $16.7M | $33.8M |
| Q3 2025 | 74.48% | 94.69% | $13.6M | $29.8M |
| Q4 2025 | 76.92% | 94.60% | $15.4M | $35.2M |
| Q1 2026 | 77.36% | 94.37% | $10.1M | $37.1M |
| Q2 2026 | 78.95% | 94.26% | $10.7M | $33.8M |
The Juniata Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Juniata 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 The Juniata Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7614) · FFIEC NIC profile (RSSD 215710)