Mayville State 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: 1.41 percentage points higher than in Q1 2026, at 52.84%. Mayville State Bank has the 7th lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 52.00% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Mayville State Bank sits 15.62 points lower, at 52.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.6M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 4.96% |
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 | 52.00% |
| Net loans and leases to deposits | 51.30% |
| Loans and leases to core deposits | 52.84% |
| Core deposits to total deposits | 98.42% |
| 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 | 47.70% | 99.06% | $0 | $0 |
| Q4 2023 | 49.92% | 99.01% | $0 | $0 |
| Q1 2024 | 51.13% | 98.68% | $0 | $0 |
| Q2 2024 | 50.59% | 97.71% | $0 | $0 |
| Q3 2024 | 51.32% | 96.89% | $0 | $0 |
| Q4 2024 | 49.21% | 97.58% | $0 | $0 |
| Q1 2025 | 51.48% | 98.70% | $0 | $0 |
| Q2 2025 | 53.59% | 98.62% | $0 | $0 |
| Q3 2025 | 54.32% | 98.92% | $0 | $0 |
| Q4 2025 | 52.01% | 98.22% | $0 | $0 |
| Q1 2026 | 50.64% | 98.48% | $0 | $0 |
| Q2 2026 | 52.00% | 98.42% | $0 | $0 |
Mayville State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mayville State 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 Mayville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12899) · FFIEC NIC profile (RSSD 358448)