Kaw 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 Fed funds sold and reverse repos: 74.2% lower than in Q1 2026, at $2.8M. Among 182 Kansas banks, Kaw Valley Bank sits 17th from the top on loan-to-deposit ratio, 99.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Kaw Valley Bank sits 18.25 points higher, at 99.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.5M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 0.81% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $11.4M |
| 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 | 99.19% |
| Net loans and leases to deposits | 97.92% |
| Loans and leases to core deposits | 112.82% |
| Core deposits to total deposits | 86.81% |
| Brokered deposits to total deposits | 1.11% |
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 | 89.67% | 91.23% | $7.8M | $0 |
| Q4 2023 | 90.17% | 91.57% | $9.2M | $0 |
| Q1 2024 | 92.28% | 91.05% | $13.7M | $0 |
| Q2 2024 | 96.78% | 90.50% | $12.9M | $0 |
| Q3 2024 | 97.37% | 90.15% | $11.7M | $0 |
| Q4 2024 | 95.02% | 90.31% | $10.0M | $0 |
| Q1 2025 | 91.75% | 88.54% | $11.9M | $0 |
| Q2 2025 | 95.44% | 88.22% | $11.1M | $0 |
| Q3 2025 | 96.95% | 87.65% | $9.2M | $0 |
| Q4 2025 | 94.53% | 84.39% | $8.3M | $0 |
| Q1 2026 | 98.18% | 85.27% | $11.5M | $0 |
| Q2 2026 | 99.19% | 86.81% | $11.4M | $0 |
Kaw Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kaw 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 Kaw Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9665) · FFIEC NIC profile (RSSD 485456)