Spring 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: 5.09 percentage points higher than in Q1 2026, at 166.63%. On loan-to-deposit ratio, Spring Valley Bank ranks 2nd highest among the 156 banks headquartered in Ohio, at 155.44% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, Spring Valley Bank reported 155.44% on loan-to-deposit ratio in Q2 2026, 74.89 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.4M |
| 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 | $7.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 155.44% |
| Net loans and leases to deposits | 154.70% |
| Loans and leases to core deposits | 166.63% |
| Core deposits to total deposits | 69.87% |
| Brokered deposits to total deposits | 23.42% |
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 | 153.23% | 91.43% | $0 | $2.8M |
| Q4 2023 | 146.84% | 90.39% | $0 | $2.5M |
| Q1 2024 | 139.92% | 90.96% | $0 | $2.2M |
| Q2 2024 | 143.31% | 91.17% | $0 | $4.0M |
| Q3 2024 | 155.84% | 89.73% | $0 | $9.6M |
| Q4 2024 | 153.99% | 88.13% | $0 | $8.1M |
| Q1 2025 | 142.72% | 85.70% | $0 | $8.3M |
| Q2 2025 | 137.76% | 79.68% | $0 | $0 |
| Q3 2025 | 147.69% | 73.44% | $0 | $5.6M |
| Q4 2025 | 148.05% | 75.49% | $0 | $5.6M |
| Q1 2026 | 152.47% | 71.74% | $0 | $7.1M |
| Q2 2026 | 155.44% | 69.87% | $0 | $7.1M |
Spring Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring 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 Spring Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34386) · FFIEC NIC profile (RSSD 2607412)