The Poca Valley Bank, Inc.: 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.
Fed funds purchased and repos dropped 100.0% in Q2 2026, from $4.4M to $0. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Poca Valley Bank, Inc. is 20th of 41 on loan-to-deposit ratio, 83.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Poca Valley Bank, Inc. sits 3.00 points higher, at 83.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $122.0M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 0.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.84% |
| Net loans and leases to deposits | 83.35% |
| Loans and leases to core deposits | 91.24% |
| Core deposits to total deposits | 91.80% |
| Brokered deposits to total deposits | 0.08% |
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 | 87.78% | 92.07% | $0 | $10.0M |
| Q4 2023 | 86.34% | 91.28% | $0 | $10.0M |
| Q1 2024 | 85.36% | 91.01% | $0 | $10.0M |
| Q2 2024 | 84.47% | 90.73% | $0 | $0 |
| Q3 2024 | 83.18% | 90.21% | $0 | $0 |
| Q4 2024 | 80.94% | 90.37% | $0 | $0 |
| Q1 2025 | 81.74% | 90.92% | $0 | $0 |
| Q2 2025 | 80.99% | 91.36% | $0 | $0 |
| Q3 2025 | 81.05% | 91.50% | $0 | $0 |
| Q4 2025 | 82.27% | 91.85% | $0 | $0 |
| Q1 2026 | 85.00% | 91.87% | $4.4M | $0 |
| Q2 2026 | 83.84% | 91.80% | $0 | $10.0M |
The Poca Valley Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Poca Valley Bank, Inc., 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 Poca Valley Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11952) · FFIEC NIC profile (RSSD 851239)