Mountain Valley Bank, N.A.: 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: 3.01 percentage points higher than in Q1 2026, at 76.51%. Mountain Valley Bank, N.A. ranks 29th of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 73.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mountain Valley Bank, N.A. sits 7.08 points lower, at 73.76% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.4M |
| 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 | 73.76% |
| Net loans and leases to deposits | 72.89% |
| Loans and leases to core deposits | 76.51% |
| Core deposits to total deposits | 96.40% |
| 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 | 67.51% | 97.16% | $1.7M | $0 |
| Q4 2023 | 69.72% | 96.87% | $1.3M | $0 |
| Q1 2024 | 67.91% | 96.38% | $657K | $0 |
| Q2 2024 | 69.81% | 95.80% | $605K | $0 |
| Q3 2024 | 68.86% | 95.51% | $0 | $0 |
| Q4 2024 | 69.66% | 94.72% | $0 | $0 |
| Q1 2025 | 68.57% | 97.08% | $0 | $0 |
| Q2 2025 | 69.73% | 96.18% | $0 | $0 |
| Q3 2025 | 70.61% | 97.75% | $0 | $0 |
| Q4 2025 | 71.21% | 96.99% | $0 | $0 |
| Q1 2026 | 71.23% | 96.91% | $0 | $0 |
| Q2 2026 | 73.76% | 96.40% | $0 | $0 |
Mountain Valley Bank, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6786) · FFIEC NIC profile (RSSD 1011432)