Tri-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.
Cash and balances due from depository institutions climbed 55.0% in Q2 2026, from $8.5M to $13.2M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Tri-Valley Bank is 182nd of 225 on loan-to-deposit ratio, 64.04% as of Q2 2026, below the middle of the field. Tri-Valley Bank reported 64.04% on loan-to-deposit ratio for Q2 2026, 3.58 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.7M |
| 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 | 64.04% |
| Net loans and leases to deposits | 62.56% |
| Loans and leases to core deposits | 72.41% |
| Core deposits to total deposits | 88.44% |
| 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 | 59.15% | 88.66% | $0 | $0 |
| Q4 2023 | 62.08% | 92.72% | $1.3M | $0 |
| Q1 2024 | 62.09% | 87.88% | $0 | $0 |
| Q2 2024 | 66.46% | 90.73% | $0 | $0 |
| Q3 2024 | 68.41% | 86.44% | $0 | $0 |
| Q4 2024 | 65.73% | 88.19% | $0 | $0 |
| Q1 2025 | 61.43% | 86.77% | $0 | $0 |
| Q2 2025 | 63.13% | 87.45% | $0 | $0 |
| Q3 2025 | 69.85% | 88.52% | $0 | $0 |
| Q4 2025 | 73.93% | 87.54% | $604K | $0 |
| Q1 2026 | 67.39% | 88.10% | $0 | $0 |
| Q2 2026 | 64.04% | 88.44% | $0 | $0 |
Tri-Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-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 Tri-Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12417) · FFIEC NIC profile (RSSD 404943)