Mount Vernon 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 Cash and balances due from depository institutions: 33.1% higher than in Q1 2026, at $20.1M. Mount Vernon Bank ranks 76th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 71.96% (Q2 2026). Mount Vernon Bank reported 71.96% on loan-to-deposit ratio for Q2 2026, 8.88 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 | $20.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.8M |
| 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 | $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 | 71.96% |
| Net loans and leases to deposits | 71.04% |
| Loans and leases to core deposits | 79.44% |
| Core deposits to total deposits | 90.59% |
| 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 | 69.24% | 94.41% | $0 | $20.0M |
| Q4 2023 | 73.08% | 93.05% | $0 | $20.0M |
| Q1 2024 | 70.64% | 92.50% | $0 | $30.0M |
| Q2 2024 | 72.84% | 91.79% | $0 | $30.0M |
| Q3 2024 | 75.93% | 91.76% | $0 | $20.0M |
| Q4 2024 | 68.42% | 91.62% | $0 | $0 |
| Q1 2025 | 68.74% | 90.80% | $0 | $0 |
| Q2 2025 | 66.65% | 90.82% | $0 | $0 |
| Q3 2025 | 67.23% | 90.58% | $0 | $0 |
| Q4 2025 | 70.69% | 90.25% | $0 | $0 |
| Q1 2026 | 74.39% | 90.52% | $0 | $0 |
| Q2 2026 | 71.96% | 90.59% | $0 | $0 |
Mount Vernon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mount Vernon 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 Mount Vernon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8028) · FFIEC NIC profile (RSSD 807432)