Spring Valley City 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.
Cash and balances due from depository institutions dropped 36.9% in Q2 2026, from $14.7M to $9.3M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Spring Valley City Bank is 204th of 323 on loan-to-deposit ratio, 69.99% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Spring Valley City Bank sits 10.85 points lower, at 69.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.7M |
| 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 | 69.99% |
| Net loans and leases to deposits | 69.12% |
| Loans and leases to core deposits | 74.99% |
| Core deposits to total deposits | 93.34% |
| 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 | 79.46% | 96.06% | $0 | $18.0M |
| Q4 2023 | 79.89% | 95.65% | $0 | $18.0M |
| Q1 2024 | 76.89% | 94.07% | $0 | $15.0M |
| Q2 2024 | 77.68% | 94.49% | $0 | $10.0M |
| Q3 2024 | 75.60% | 94.08% | $0 | $10.0M |
| Q4 2024 | 76.54% | 94.06% | $0 | $10.0M |
| Q1 2025 | 75.79% | 93.84% | $0 | $3.0M |
| Q2 2025 | 72.47% | 93.49% | $0 | $3.0M |
| Q3 2025 | 72.59% | 93.47% | $0 | $3.0M |
| Q4 2025 | 70.26% | 94.12% | $0 | $3.0M |
| Q1 2026 | 68.88% | 93.44% | $0 | $0 |
| Q2 2026 | 69.99% | 93.34% | $0 | $0 |
Spring Valley City 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 City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12087) · FFIEC NIC profile (RSSD 452841)