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.
Loans and leases to core deposits dropped 2.36 percentage points in Q2 2026, from 116.57% to 114.21%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Mountain Valley Bank ranks 8th highest among the 109 banks headquartered in Tennessee, at 101.36% (Q2 2026). Mountain Valley Bank reported 101.36% on loan-to-deposit ratio for Q2 2026, 20.52 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 | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.2M |
| 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 | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.36% |
| Net loans and leases to deposits | 100.66% |
| Loans and leases to core deposits | 114.21% |
| Core deposits to total deposits | 88.75% |
| 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 | 110.05% | 86.52% | $0 | $38.0M |
| Q4 2023 | 113.78% | 85.28% | $0 | $44.5M |
| Q1 2024 | 111.38% | 85.80% | $0 | $41.0M |
| Q2 2024 | 113.63% | 85.59% | $0 | $45.0M |
| Q3 2024 | 100.10% | 83.22% | $0 | $30.0M |
| Q4 2024 | 101.35% | 84.19% | $0 | $30.0M |
| Q1 2025 | 102.57% | 87.52% | $0 | $30.0M |
| Q2 2025 | 99.20% | 85.94% | $0 | $30.0M |
| Q3 2025 | 104.67% | 68.84% | $0 | $30.0M |
| Q4 2025 | 101.15% | 69.37% | $0 | $30.0M |
| Q1 2026 | 102.39% | 87.84% | $0 | $30.0M |
| Q2 2026 | 101.36% | 88.75% | $0 | $30.0M |
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 1705) · FFIEC NIC profile (RSSD 714437)