Oak View National 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: 6.92 percentage points higher than in Q1 2026, at 62.17%. On loan-to-deposit ratio, Oak View National Bank is 5th from the bottom among 56 Virginia banks, 56.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Oak View National Bank sits 24.32 points lower, at 56.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $533.4M |
| Fed funds sold and reverse repos | $601K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $182.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.52% |
| Net loans and leases to deposits | 56.00% |
| Loans and leases to core deposits | 62.17% |
| Core deposits to total deposits | 77.35% |
| Brokered deposits to total deposits | 13.56% |
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 | 63.24% | 82.99% | $0 | $74.9M |
| Q4 2023 | 63.97% | 82.98% | $0 | $74.9M |
| Q1 2024 | 61.19% | 80.89% | $0 | $74.9M |
| Q2 2024 | 59.93% | 77.46% | $0 | $49.9M |
| Q3 2024 | 56.58% | 74.82% | $0 | $49.9M |
| Q4 2024 | 54.41% | 75.77% | $0 | $49.9M |
| Q1 2025 | 52.42% | 76.31% | $0 | $49.9M |
| Q2 2025 | 51.93% | 73.87% | $0 | $62.9M |
| Q3 2025 | 48.32% | 69.91% | $0 | $62.9M |
| Q4 2025 | 48.98% | 70.20% | $0 | $77.9M |
| Q1 2026 | 50.32% | 71.86% | $0 | $122.9M |
| Q2 2026 | 56.52% | 77.35% | $0 | $182.9M |
Oak View National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak View National 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 Oak View National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58827) · FFIEC NIC profile (RSSD 3816190)