North 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 Loans and leases to core deposits: 0.83 percentage points higher than in Q1 2026, at 120.49%. Among 63 Colorado banks, North Valley Bank sits 3rd from the top on loan-to-deposit ratio, 109.18% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. North Valley Bank sits 28.34 points higher, at 109.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.5M |
| 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 | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.18% |
| Net loans and leases to deposits | 107.55% |
| Loans and leases to core deposits | 120.49% |
| Core deposits to total deposits | 90.61% |
| 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 | 100.95% | 86.93% | $0 | $9.0M |
| Q4 2023 | 102.68% | 86.47% | $0 | $12.0M |
| Q1 2024 | 106.34% | 87.64% | $0 | $12.0M |
| Q2 2024 | 109.35% | 87.74% | $0 | $12.0M |
| Q3 2024 | 108.57% | 89.44% | $0 | $13.5M |
| Q4 2024 | 109.43% | 89.25% | $0 | $10.5M |
| Q1 2025 | 107.89% | 89.13% | $0 | $13.5M |
| Q2 2025 | 110.60% | 90.03% | $0 | $17.5M |
| Q3 2025 | 110.15% | 90.00% | $0 | $14.0M |
| Q4 2025 | 107.34% | 90.20% | $0 | $10.0M |
| Q1 2026 | 109.24% | 91.29% | $0 | $17.0M |
| Q2 2026 | 109.18% | 90.61% | $0 | $17.0M |
North Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North 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 North Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18710) · FFIEC NIC profile (RSSD 350750)