San Luis Valley Federal 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.
Loans and leases to core deposits climbed 2.75 percentage points in Q2 2026, from 92.72% to 95.47%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, San Luis Valley Federal Bank is 25th of 63 on loan-to-deposit ratio, 89.39% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. San Luis Valley Federal Bank sits 8.45 points higher, at 89.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.7M |
| 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 | 89.39% |
| Net loans and leases to deposits | 88.45% |
| Loans and leases to core deposits | 95.47% |
| Core deposits to total deposits | 93.63% |
| 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 | 74.67% | 97.43% | $0 | $0 |
| Q4 2023 | 77.39% | 97.50% | $0 | $0 |
| Q1 2024 | 80.27% | 97.26% | $0 | $0 |
| Q2 2024 | 82.76% | 96.84% | $0 | $0 |
| Q3 2024 | 82.76% | 96.77% | $0 | $0 |
| Q4 2024 | 83.07% | 96.86% | $0 | $0 |
| Q1 2025 | 83.78% | 96.48% | $0 | $0 |
| Q2 2025 | 87.14% | 96.70% | $0 | $2.2M |
| Q3 2025 | 89.71% | 96.53% | $0 | $5.3M |
| Q4 2025 | 86.86% | 93.87% | $0 | $0 |
| Q1 2026 | 86.87% | 93.69% | $0 | $0 |
| Q2 2026 | 89.39% | 93.63% | $0 | $0 |
San Luis Valley Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock San Luis Valley Federal 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 San Luis Valley Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28208) · FFIEC NIC profile (RSSD 945071)