Valley National 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 Cash and balances due from depository institutions: 17.2% lower than in Q1 2026, at $945.2M. Within New Jersey, Valley National Bank is 21st of 49 on loan-to-deposit ratio, 96.57% as of Q2 2026, above the middle of the field. Valley National Bank reported 96.57% on loan-to-deposit ratio for Q2 2026, 9.74 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $945.2M |
| Cash and noninterest-bearing balances to assets | 1.43% |
| Cash and securities | $9.03B |
| 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 | $58.5M |
| Other borrowed money | $2.34B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.53% |
| Trading liabilities | $22.8M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.57% |
| Net loans and leases to deposits | 95.49% |
| Loans and leases to core deposits | 102.14% |
| Core deposits to total deposits | 84.85% |
| Brokered deposits to total deposits | 9.72% |
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 | 100.12% | 75.50% | $89.8M | $1.69B |
| Q4 2023 | 101.63% | 79.66% | $67.8M | $2.54B |
| Q1 2024 | 101.41% | 80.66% | $75.2M | $2.62B |
| Q2 2024 | 100.01% | 77.77% | $63.8M | $2.62B |
| Q3 2024 | 99.05% | 77.84% | $58.3M | $2.63B |
| Q4 2024 | 96.96% | 81.33% | $72.7M | $2.53B |
| Q1 2025 | 97.03% | 82.69% | $59.0M | $2.26B |
| Q2 2025 | 97.31% | 82.31% | $62.2M | $2.57B |
| Q3 2025 | 96.05% | 83.58% | $51.1M | $2.46B |
| Q4 2025 | 95.90% | 84.65% | $91.5M | $2.46B |
| Q1 2026 | 96.00% | 85.26% | $63.9M | $2.11B |
| Q2 2026 | 96.57% | 84.85% | $58.5M | $2.34B |
Valley National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9396) · FFIEC NIC profile (RSSD 229801)