Valley Bank of Ronan: 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 Loans and leases to core deposits: 1.95 percentage points higher than in Q1 2026, at 88.92%. Within Montana, Valley Bank of Ronan is 17th of 35 on loan-to-deposit ratio, 76.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Valley Bank of Ronan sits 4.85 points lower, at 76.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.4M |
| 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 | 76.09% |
| Net loans and leases to deposits | 74.93% |
| Loans and leases to core deposits | 88.92% |
| Core deposits to total deposits | 85.58% |
| 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 | 79.35% | 97.24% | $0 | $1.5M |
| Q4 2023 | 76.71% | 95.45% | $0 | $0 |
| Q1 2024 | 78.72% | 93.92% | $0 | $0 |
| Q2 2024 | 81.46% | 93.39% | $0 | $0 |
| Q3 2024 | 82.42% | 92.72% | $0 | $0 |
| Q4 2024 | 76.47% | 92.53% | $0 | $0 |
| Q1 2025 | 76.98% | 90.32% | $0 | $0 |
| Q2 2025 | 77.96% | 89.59% | $0 | $0 |
| Q3 2025 | 78.53% | 89.30% | $0 | $0 |
| Q4 2025 | 75.65% | 88.28% | $0 | $0 |
| Q1 2026 | 76.04% | 87.43% | $0 | $0 |
| Q2 2026 | 76.09% | 85.58% | $0 | $0 |
Valley Bank of Ronan 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 Ronan, 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 Ronan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24966) · FFIEC NIC profile (RSSD 624956)