Valley Bank of Kalispell: 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.
Compared with Q1 2026, Cash and securities rose 5.1% in Q2 2026 to $66.5M, the biggest move on this page. Valley Bank of Kalispell ranks 19th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 75.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Valley Bank of Kalispell sits 5.19 points lower, at 75.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.5M |
| Fed funds sold and reverse repos | $10.1M |
| Fed funds sold and reverse repos to assets | 4.63% |
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 | 75.75% |
| Net loans and leases to deposits | 74.66% |
| Loans and leases to core deposits | 88.31% |
| Core deposits to total deposits | 85.78% |
| 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 | 71.03% | 88.61% | $0 | $0 |
| Q4 2023 | 72.76% | 87.02% | $0 | $0 |
| Q1 2024 | 73.86% | 86.79% | $0 | $10.0M |
| Q2 2024 | 79.25% | 85.39% | $0 | $10.0M |
| Q3 2024 | 74.55% | 86.25% | $0 | $0 |
| Q4 2024 | 71.67% | 86.35% | $0 | $0 |
| Q1 2025 | 75.95% | 86.34% | $0 | $0 |
| Q2 2025 | 74.70% | 87.50% | $0 | $0 |
| Q3 2025 | 74.81% | 85.31% | $0 | $0 |
| Q4 2025 | 78.22% | 85.14% | $0 | $0 |
| Q1 2026 | 76.21% | 86.20% | $0 | $0 |
| Q2 2026 | 75.75% | 85.78% | $0 | $0 |
Valley Bank of Kalispell 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 Kalispell, 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 Kalispell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1980) · FFIEC NIC profile (RSSD 473257)