Middletown 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.
Other borrowed money dropped 88.1% in Q2 2026, from $42.0M to $5.0M. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Middletown Valley Bank is 8th of 27 on loan-to-deposit ratio, 90.51% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Middletown Valley Bank reported 90.51% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $76.7M |
| Cash and noninterest-bearing balances to assets | 6.42% |
| Cash and securities | $193.8M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.42% |
| Trading liabilities | $64K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.51% |
| Net loans and leases to deposits | 89.58% |
| Loans and leases to core deposits | 98.67% |
| Core deposits to total deposits | 89.72% |
| Brokered deposits to total deposits | 2.01% |
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 | 89.85% | 93.07% | $0 | $15.0M |
| Q4 2023 | 92.55% | 92.74% | $0 | $18.0M |
| Q1 2024 | 91.81% | 93.04% | $0 | $65.0M |
| Q2 2024 | 90.84% | 91.35% | $0 | $65.0M |
| Q3 2024 | 91.28% | 91.18% | $0 | $65.0M |
| Q4 2024 | 93.86% | 93.00% | $0 | $15.0M |
| Q1 2025 | 92.58% | 92.11% | $0 | $25.0M |
| Q2 2025 | 89.27% | 91.57% | $0 | $15.0M |
| Q3 2025 | 91.93% | 91.49% | $0 | $5.0M |
| Q4 2025 | 94.88% | 91.94% | $0 | $33.0M |
| Q1 2026 | 95.36% | 90.12% | $0 | $42.0M |
| Q2 2026 | 90.51% | 89.72% | $0 | $5.0M |
Middletown Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Middletown 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 Middletown Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14017) · FFIEC NIC profile (RSSD 41825)