Springs Valley Bank & Trust Company: 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 Fed funds sold and reverse repos: 115.0% higher than in Q1 2026, at $33.9M. Springs Valley Bank & Trust Company ranks 36th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 87.65% (Q2 2026). Springs Valley Bank & Trust Company reported 87.65% on loan-to-deposit ratio for Q2 2026, 6.71 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.4M |
| Fed funds sold and reverse repos | $33.9M |
| Fed funds sold and reverse repos to assets | 5.02% |
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 | 87.65% |
| Net loans and leases to deposits | 86.40% |
| Loans and leases to core deposits | 95.24% |
| Core deposits to total deposits | 92.03% |
| 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 | 93.30% | 90.53% | $0 | $5.0M |
| Q4 2023 | 90.61% | 91.18% | $0 | $5.0M |
| Q1 2024 | 92.18% | 93.03% | $0 | $5.0M |
| Q2 2024 | 90.92% | 89.47% | $0 | $12.0M |
| Q3 2024 | 88.94% | 89.27% | $0 | $0 |
| Q4 2024 | 84.79% | 92.25% | $0 | $0 |
| Q1 2025 | 83.18% | 91.82% | $0 | $0 |
| Q2 2025 | 83.64% | 92.66% | $0 | $0 |
| Q3 2025 | 85.47% | 92.81% | $0 | $0 |
| Q4 2025 | 87.62% | 92.92% | $0 | $0 |
| Q1 2026 | 90.81% | 93.24% | $0 | $0 |
| Q2 2026 | 87.65% | 92.03% | $0 | $0 |
Springs Valley Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Springs Valley Bank & Trust Company, 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 Springs Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4419) · FFIEC NIC profile (RSSD 93543)