The Ohio Valley Bank Company: 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: 3.97 percentage points higher than in Q1 2026, at 94.91%. Within Ohio, The Ohio Valley Bank Company is 58th of 156 on loan-to-deposit ratio, 87.30% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Ohio Valley Bank Company reported 87.30% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $78.1M |
| Cash and noninterest-bearing balances to assets | 4.74% |
| Cash and securities | $334.1M |
| 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 | $41.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.30% |
| Net loans and leases to deposits | 86.15% |
| Loans and leases to core deposits | 94.91% |
| Core deposits to total deposits | 87.61% |
| Brokered deposits to total deposits | 4.38% |
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 | 86.36% | 86.51% | $0 | $44.4M |
| Q4 2023 | 84.61% | 86.06% | $0 | $43.2M |
| Q1 2024 | 84.57% | 85.78% | $0 | $41.8M |
| Q2 2024 | 86.87% | 87.37% | $0 | $40.5M |
| Q3 2024 | 81.85% | 88.47% | $0 | $39.3M |
| Q4 2024 | 82.07% | 88.55% | $0 | $38.1M |
| Q1 2025 | 80.05% | 88.35% | $0 | $36.7M |
| Q2 2025 | 85.00% | 89.81% | $0 | $35.4M |
| Q3 2025 | 83.64% | 87.50% | $0 | $34.3M |
| Q4 2025 | 88.67% | 87.03% | $0 | $43.1M |
| Q1 2026 | 84.15% | 86.57% | $0 | $41.7M |
| Q2 2026 | 87.30% | 87.61% | $0 | $41.2M |
The Ohio Valley Bank Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Ohio Valley Bank Company, 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 The Ohio Valley Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 384) · FFIEC NIC profile (RSSD 498317)