Mountain 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 climbed 37.7% in Q2 2026, from $21.9M to $30.1M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Mountain Valley Bank is 21st of 63 on loan-to-deposit ratio, 92.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mountain Valley Bank sits 11.56 points higher, at 92.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $120.3M |
| 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 | $47.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.11% |
| Net loans and leases to deposits | 91.07% |
| Loans and leases to core deposits | 114.14% |
| Core deposits to total deposits | 79.22% |
| Brokered deposits to total deposits | 3.16% |
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 | 88.17% | 87.66% | $7.0M | $70.0M |
| Q4 2023 | 86.23% | 85.53% | $1.0M | $70.0M |
| Q1 2024 | 86.92% | 83.90% | $0 | $79.5M |
| Q2 2024 | 89.19% | 86.06% | $0 | $69.5M |
| Q3 2024 | 90.27% | 86.68% | $0 | $69.5M |
| Q4 2024 | 91.77% | 86.70% | $0 | $80.0M |
| Q1 2025 | 90.25% | 85.34% | $0 | $60.0M |
| Q2 2025 | 90.06% | 84.51% | $0 | $47.5M |
| Q3 2025 | 91.35% | 84.39% | $0 | $47.5M |
| Q4 2025 | 89.60% | 83.29% | $0 | $47.5M |
| Q1 2026 | 92.63% | 80.38% | $0 | $47.5M |
| Q2 2026 | 92.11% | 79.22% | $0 | $47.5M |
Mountain Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain 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 Mountain Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17411) · FFIEC NIC profile (RSSD 475653)