Valley Bank of Commerce: 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 Net loans and leases to deposits: 2.13 percentage points lower than in Q1 2026, at 59.57%. Valley Bank of Commerce ranks 14th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 60.68% (Q2 2026). Valley Bank of Commerce reported 60.68% on loan-to-deposit ratio for Q2 2026, 20.16 points below 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.4M |
| 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 | 60.68% |
| Net loans and leases to deposits | 59.57% |
| Loans and leases to core deposits | 61.69% |
| Core deposits to total deposits | 98.37% |
| 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 | 61.66% | 96.94% | $0 | $0 |
| Q4 2023 | 54.69% | 97.12% | $0 | $0 |
| Q1 2024 | 65.17% | 96.48% | $0 | $0 |
| Q2 2024 | 66.77% | 98.57% | $0 | $0 |
| Q3 2024 | 66.24% | 98.58% | $0 | $0 |
| Q4 2024 | 61.87% | 98.47% | $0 | $0 |
| Q1 2025 | 46.82% | 98.60% | $0 | $0 |
| Q2 2025 | 62.88% | 98.21% | $0 | $0 |
| Q3 2025 | 67.44% | 98.18% | $0 | $0 |
| Q4 2025 | 63.28% | 98.43% | $0 | $0 |
| Q1 2026 | 62.80% | 98.47% | $0 | $0 |
| Q2 2026 | 60.68% | 98.37% | $0 | $0 |
Valley Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Commerce, 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 Valley Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22600) · FFIEC NIC profile (RSSD 481159)