Ninnescah 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 29.5% lower than in Q1 2026, at $2.3M. On loan-to-deposit ratio, Ninnescah Valley Bank is 15th from the bottom among 182 Kansas banks, 45.22% (Q2 2026). Ninnescah Valley Bank reported 45.22% on loan-to-deposit ratio for Q2 2026, 22.71 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.7M |
| Fed funds sold and reverse repos | $49K |
| Fed funds sold and reverse repos to assets | 0.11% |
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 | 45.22% |
| Net loans and leases to deposits | 44.36% |
| Loans and leases to core deposits | 47.34% |
| Core deposits to total deposits | 95.52% |
| 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 | 42.48% | 95.48% | $1.0M | $0 |
| Q4 2023 | 46.22% | 94.69% | $13K | $1.0M |
| Q1 2024 | 43.77% | 95.75% | $0 | $300K |
| Q2 2024 | 46.78% | 95.63% | $590K | $0 |
| Q3 2024 | 48.46% | 93.86% | $1.1M | $0 |
| Q4 2024 | 42.04% | 96.32% | $0 | $0 |
| Q1 2025 | 41.48% | 94.04% | $0 | $0 |
| Q2 2025 | 44.99% | 93.92% | $0 | $0 |
| Q3 2025 | 46.02% | 93.72% | $350K | $0 |
| Q4 2025 | 45.84% | 93.44% | $165K | $0 |
| Q1 2026 | 42.72% | 95.50% | $0 | $0 |
| Q2 2026 | 45.22% | 95.52% | $0 | $0 |
Ninnescah Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ninnescah 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 Ninnescah Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4652) · FFIEC NIC profile (RSSD 789051)