Mount Vernon Bank and Trust Company: 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: 2.76 percentage points higher than in Q1 2026, at 89.06%. Within Iowa, Mount Vernon Bank and Trust Company is 109th of 225 on loan-to-deposit ratio, 83.69% as of Q2 2026, above the middle of the field. Mount Vernon Bank and Trust Company reported 83.69% on loan-to-deposit ratio for Q2 2026, 2.85 points above 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 | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.3M |
| Fed funds sold and reverse repos | $3.5M |
| Fed funds sold and reverse repos to assets | 1.78% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.69% |
| Net loans and leases to deposits | 82.96% |
| Loans and leases to core deposits | 89.06% |
| Core deposits to total deposits | 92.16% |
| Brokered deposits to total deposits | 1.81% |
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 | 85.47% | 82.68% | $0 | $17.3M |
| Q4 2023 | 84.02% | 85.96% | $0 | $15.0M |
| Q1 2024 | 84.85% | 86.40% | $0 | $15.0M |
| Q2 2024 | 79.69% | 89.76% | $0 | $15.0M |
| Q3 2024 | 88.04% | 89.01% | $0 | $16.0M |
| Q4 2024 | 82.69% | 87.39% | $0 | $11.5M |
| Q1 2025 | 81.75% | 89.89% | $0 | $7.0M |
| Q2 2025 | 84.82% | 90.25% | $0 | $9.9M |
| Q3 2025 | 86.50% | 90.26% | $0 | $7.4M |
| Q4 2025 | 88.25% | 90.24% | $0 | $9.9M |
| Q1 2026 | 81.24% | 92.32% | $0 | $7.4M |
| Q2 2026 | 83.69% | 92.16% | $0 | $6.4M |
Mount Vernon Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10494) · FFIEC NIC profile (RSSD 890649)