New Valley Bank & Trust: 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 2.77 percentage points in Q2 2026, from 91.47% to 88.70%. It was the largest change from Q1 2026 among the key lines here. New Valley Bank & Trust ranks 77th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 78.81% (Q2 2026). At 78.81%, New Valley Bank & Trust's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.7M |
| 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 | $33.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.81% |
| Net loans and leases to deposits | 77.20% |
| Loans and leases to core deposits | 88.70% |
| Core deposits to total deposits | 84.70% |
| Brokered deposits to total deposits | 4.15% |
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 | 85.73% | 72.26% | $0 | $27.0M |
| Q4 2023 | 84.10% | 73.95% | $0 | $27.0M |
| Q1 2024 | 86.00% | 77.47% | $0 | $27.0M |
| Q2 2024 | 83.59% | 77.79% | $0 | $24.0M |
| Q3 2024 | 86.50% | 79.45% | $0 | $24.0M |
| Q4 2024 | 93.65% | 77.50% | $0 | $24.0M |
| Q1 2025 | 92.64% | 82.44% | $0 | $34.0M |
| Q2 2025 | 94.80% | 82.23% | $0 | $34.0M |
| Q3 2025 | 86.66% | 83.67% | $0 | $34.0M |
| Q4 2025 | 95.42% | 82.83% | $0 | $33.6M |
| Q1 2026 | 81.35% | 84.42% | $0 | $33.5M |
| Q2 2026 | 78.81% | 84.70% | $0 | $33.2M |
New Valley Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Valley Bank & Trust, 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 New Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59143) · FFIEC NIC profile (RSSD 5316920)