Madison 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.
Cash and balances due from depository institutions dropped 65.1% in Q2 2026, from $33.3M to $11.6M. It was the largest change from Q1 2026 among the key lines here. Madison Valley Bank ranks 28th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 53.72% (Q2 2026). Madison Valley Bank reported 53.72% on loan-to-deposit ratio for Q2 2026, 27.12 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 | $11.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $129.5M |
| 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 | 53.72% |
| Net loans and leases to deposits | 52.84% |
| Loans and leases to core deposits | 58.48% |
| Core deposits to total deposits | 91.86% |
| 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 | 56.06% | 97.45% | $0 | $0 |
| Q4 2023 | 57.09% | 93.87% | $0 | $6.5M |
| Q1 2024 | 56.91% | 92.99% | $0 | $18.5M |
| Q2 2024 | 58.43% | 93.13% | $0 | $12.0M |
| Q3 2024 | 54.60% | 93.03% | $0 | $0 |
| Q4 2024 | 55.95% | 92.57% | $0 | $0 |
| Q1 2025 | 55.16% | 90.39% | $0 | $10.5M |
| Q2 2025 | 54.94% | 90.90% | $0 | $8.2M |
| Q3 2025 | 51.04% | 92.39% | $0 | $0 |
| Q4 2025 | 54.69% | 91.68% | $0 | $0 |
| Q1 2026 | 49.07% | 92.73% | $0 | $0 |
| Q2 2026 | 53.72% | 91.86% | $0 | $0 |
Madison Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison 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 Madison Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19544) · FFIEC NIC profile (RSSD 596455)