Valley Central 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.
Loans and leases to core deposits climbed 3.29 percentage points in Q2 2026, from 99.11% to 102.41%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Valley Central Bank is 26th of 156 on loan-to-deposit ratio, 97.56% as of Q2 2026. Valley Central Bank reported 97.56% on loan-to-deposit ratio for Q2 2026, 17.01 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.0M |
| Fed funds sold and reverse repos | $19.2M |
| Fed funds sold and reverse repos to assets | 10.26% |
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 | 97.56% |
| Net loans and leases to deposits | 96.33% |
| Loans and leases to core deposits | 102.41% |
| Core deposits to total deposits | 90.40% |
| Brokered deposits to total deposits | 4.87% |
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 | 124.20% | 88.80% | $0 | $12.2M |
| Q4 2023 | 122.28% | 87.34% | $0 | $11.0M |
| Q1 2024 | 124.48% | 85.13% | $0 | $15.3M |
| Q2 2024 | 120.41% | 86.16% | $0 | $10.4M |
| Q3 2024 | 117.28% | 86.33% | $0 | $8.9M |
| Q4 2024 | 114.64% | 86.31% | $0 | $8.6M |
| Q1 2025 | 113.33% | 86.07% | $0 | $6.4M |
| Q2 2025 | 106.84% | 88.16% | $0 | $5.9M |
| Q3 2025 | 101.67% | 87.55% | $0 | $4.0M |
| Q4 2025 | 97.61% | 89.19% | $0 | $0 |
| Q1 2026 | 94.41% | 90.42% | $0 | $0 |
| Q2 2026 | 97.56% | 90.40% | $0 | $0 |
Valley Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Central 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 Valley Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28555) · FFIEC NIC profile (RSSD 320070)