Powell Valley 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 Loan-to-deposit ratio: 2.02 percentage points higher than in Q1 2026, at 88.75%. Powell Valley National Bank ranks 26th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 88.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Powell Valley National Bank sits 7.91 points higher, at 88.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.0M |
| Cash and noninterest-bearing balances to assets | 10.84% |
| Cash and securities | $87.6M |
| 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 | 88.75% |
| Net loans and leases to deposits | 87.59% |
| Loans and leases to core deposits | 91.32% |
| Core deposits to total deposits | 97.18% |
| Brokered deposits to total deposits | 0.77% |
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 | 77.42% | 95.63% | $0 | $0 |
| Q4 2023 | 76.38% | 96.82% | $0 | $0 |
| Q1 2024 | 80.88% | 96.92% | $0 | $0 |
| Q2 2024 | 85.10% | 96.76% | $0 | $0 |
| Q3 2024 | 85.90% | 94.94% | $0 | $0 |
| Q4 2024 | 82.62% | 94.92% | $0 | $0 |
| Q1 2025 | 87.04% | 94.91% | $0 | $0 |
| Q2 2025 | 89.09% | 94.77% | $0 | $0 |
| Q3 2025 | 87.90% | 96.63% | $0 | $0 |
| Q4 2025 | 85.75% | 96.77% | $0 | $0 |
| Q1 2026 | 86.73% | 95.47% | $0 | $0 |
| Q2 2026 | 88.75% | 97.18% | $0 | $0 |
Powell Valley National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Powell Valley 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 Powell Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6863) · FFIEC NIC profile (RSSD 31826)