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 Fed funds sold and reverse repos: 57.4% higher than in Q1 2026, at $17.9M. Within Ohio, North Valley Bank is 59th of 156 on loan-to-deposit ratio, 87.07% as of Q2 2026, above the middle of the field. North Valley Bank reported 87.07% on loan-to-deposit ratio for Q2 2026, 6.23 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.4M |
| Fed funds sold and reverse repos | $17.9M |
| Fed funds sold and reverse repos to assets | 4.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.07% |
| Net loans and leases to deposits | 86.42% |
| Loans and leases to core deposits | 89.43% |
| Core deposits to total deposits | 97.36% |
| 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 | 87.07% | 96.16% | $0 | $8.5M |
| Q4 2023 | 92.81% | 95.78% | $0 | $13.5M |
| Q1 2024 | 94.14% | 95.81% | $0 | $15.5M |
| Q2 2024 | 92.83% | 93.67% | $0 | $13.4M |
| Q3 2024 | 92.99% | 95.42% | $0 | $10.6M |
| Q4 2024 | 85.42% | 97.18% | $0 | $6.5M |
| Q1 2025 | 84.76% | 96.99% | $0 | $6.5M |
| Q2 2025 | 81.90% | 96.32% | $0 | $6.5M |
| Q3 2025 | 82.83% | 96.03% | $0 | $3.5M |
| Q4 2025 | 88.77% | 96.61% | $0 | $3.5M |
| Q1 2026 | 87.90% | 96.75% | $0 | $3.5M |
| Q2 2026 | 87.07% | 97.36% | $0 | $3.5M |
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 2284) · FFIEC NIC profile (RSSD 783910)