The National Bank of Blacksburg: 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 climbed 1.24 percentage points in Q2 2026, from 63.21% to 64.44%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, The National Bank of Blacksburg is 48th of 56 on loan-to-deposit ratio, 61.40% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The National Bank of Blacksburg sits 26.81 points lower, at 61.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.6M |
| Cash and noninterest-bearing balances to assets | 2.98% |
| Cash and securities | $707.2M |
| 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 | $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 | 61.40% |
| Net loans and leases to deposits | 60.79% |
| Loans and leases to core deposits | 64.44% |
| Core deposits to total deposits | 95.27% |
| 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 | 57.79% | 96.34% | $0 | $0 |
| Q4 2023 | 56.55% | 95.94% | $0 | $0 |
| Q1 2024 | 55.75% | 95.91% | $0 | $0 |
| Q2 2024 | 60.01% | 95.06% | $0 | $0 |
| Q3 2024 | 62.44% | 94.65% | $0 | $0 |
| Q4 2024 | 59.50% | 94.91% | $0 | $0 |
| Q1 2025 | 59.98% | 95.66% | $0 | $0 |
| Q2 2025 | 61.73% | 95.21% | $0 | $0 |
| Q3 2025 | 64.66% | 95.56% | $0 | $50.0M |
| Q4 2025 | 60.68% | 95.42% | $0 | $0 |
| Q1 2026 | 60.32% | 95.44% | $0 | $0 |
| Q2 2026 | 61.40% | 95.27% | $0 | $0 |
The National Bank of Blacksburg liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Blacksburg, 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 The National Bank of Blacksburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6821) · FFIEC NIC profile (RSSD 754929)