Pacific 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: 1.35 percentage points lower than in Q1 2026, at 106.07%. Pacific Valley Bank ranks 36th of 114 California banks on loan-to-deposit ratio, in the upper half at 95.91% (Q2 2026). Pacific Valley Bank reported 95.91% on loan-to-deposit ratio for Q2 2026, 15.35 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.8M |
| 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 | $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 | 95.91% |
| Net loans and leases to deposits | 94.52% |
| Loans and leases to core deposits | 106.07% |
| Core deposits to total deposits | 90.42% |
| 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 | 88.29% | 92.77% | $0 | $0 |
| Q4 2023 | 88.15% | 92.37% | $0 | $0 |
| Q1 2024 | 99.79% | 90.57% | $0 | $0 |
| Q2 2024 | 99.05% | 90.68% | $0 | $0 |
| Q3 2024 | 99.41% | 89.97% | $0 | $0 |
| Q4 2024 | 83.80% | 91.67% | $0 | $0 |
| Q1 2025 | 102.55% | 89.72% | $0 | $7.0M |
| Q2 2025 | 101.69% | 89.48% | $0 | $3.0M |
| Q3 2025 | 100.52% | 90.42% | $0 | $0 |
| Q4 2025 | 85.05% | 91.84% | $0 | $0 |
| Q1 2026 | 96.93% | 90.24% | $0 | $0 |
| Q2 2026 | 95.91% | 90.42% | $0 | $0 |
Pacific Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific 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 Pacific Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57740) · FFIEC NIC profile (RSSD 3293540)