The Twin 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.
Fed funds sold and reverse repos dropped 23.1% in Q2 2026, from $3.4M to $2.6M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Twin Valley Bank is 111th of 156 on loan-to-deposit ratio, 73.22% 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. The Twin Valley Bank sits 7.62 points lower, at 73.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.6M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 1.91% |
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 | 73.22% |
| Net loans and leases to deposits | 72.57% |
| Loans and leases to core deposits | 82.41% |
| Core deposits to total deposits | 88.85% |
| 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 | 62.36% | 96.54% | $0 | $0 |
| Q4 2023 | 64.42% | 95.96% | $0 | $0 |
| Q1 2024 | 67.69% | 95.14% | $0 | $0 |
| Q2 2024 | 68.90% | 94.15% | $0 | $0 |
| Q3 2024 | 66.90% | 94.29% | $0 | $0 |
| Q4 2024 | 68.68% | 94.23% | $0 | $0 |
| Q1 2025 | 70.78% | 94.05% | $0 | $0 |
| Q2 2025 | 71.69% | 92.24% | $708K | $0 |
| Q3 2025 | 73.25% | 92.18% | $0 | $3.5M |
| Q4 2025 | 69.85% | 90.90% | $0 | $0 |
| Q1 2026 | 73.28% | 87.36% | $0 | $0 |
| Q2 2026 | 73.22% | 88.85% | $0 | $0 |
The Twin Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Twin 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 The Twin Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13802) · FFIEC NIC profile (RSSD 381026)