United 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 Other borrowed money: 572.7% higher than in Q1 2026, at $37.0M. Within North Dakota, United Valley Bank is 19th of 60 on loan-to-deposit ratio, 87.56% as of Q2 2026, above the middle of the field. United Valley Bank reported 87.56% on loan-to-deposit ratio for Q2 2026, 6.72 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $164.6M |
| 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 | $37.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.56% |
| Net loans and leases to deposits | 86.55% |
| Loans and leases to core deposits | 102.49% |
| Core deposits to total deposits | 83.84% |
| Brokered deposits to total deposits | 1.59% |
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 | 79.10% | 83.64% | $0 | $25.7M |
| Q4 2023 | 76.35% | 88.92% | $0 | $0 |
| Q1 2024 | 73.74% | 86.21% | $0 | $0 |
| Q2 2024 | 79.63% | 88.05% | $0 | $15.0M |
| Q3 2024 | 79.62% | 86.73% | $0 | $15.0M |
| Q4 2024 | 77.57% | 86.19% | $0 | $0 |
| Q1 2025 | 80.22% | 86.50% | $0 | $0 |
| Q2 2025 | 84.85% | 87.41% | $0 | $26.0M |
| Q3 2025 | 86.16% | 83.97% | $0 | $34.0M |
| Q4 2025 | 84.29% | 87.18% | $0 | $28.2M |
| Q1 2026 | 82.44% | 84.96% | $0 | $5.5M |
| Q2 2026 | 87.56% | 83.84% | $0 | $37.0M |
United Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United 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 United Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15478) · FFIEC NIC profile (RSSD 922559)