Valley State 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 Loans and leases to core deposits: 3.24 percentage points higher than in Q1 2026, at 88.00%. Within Alabama, Valley State Bank is 56th of 93 on loan-to-deposit ratio, 64.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Valley State Bank sits 16.53 points lower, at 64.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.9M |
| Fed funds sold and reverse repos | $200K |
| Fed funds sold and reverse repos to assets | 0.12% |
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 | 64.31% |
| Net loans and leases to deposits | 62.89% |
| Loans and leases to core deposits | 88.00% |
| Core deposits to total deposits | 73.07% |
| 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 | 63.06% | 84.89% | $0 | $0 |
| Q4 2023 | 63.03% | 84.11% | $0 | $0 |
| Q1 2024 | 65.45% | 78.30% | $0 | $0 |
| Q2 2024 | 65.01% | 80.63% | $0 | $0 |
| Q3 2024 | 67.27% | 80.53% | $0 | $0 |
| Q4 2024 | 66.66% | 81.71% | $0 | $0 |
| Q1 2025 | 67.78% | 81.69% | $0 | $0 |
| Q2 2025 | 66.27% | 80.72% | $0 | $0 |
| Q3 2025 | 65.26% | 79.56% | $0 | $0 |
| Q4 2025 | 63.29% | 72.83% | $0 | $0 |
| Q1 2026 | 61.61% | 72.69% | $0 | $0 |
| Q2 2026 | 64.31% | 73.07% | $0 | $0 |
Valley State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26021) · FFIEC NIC profile (RSSD 595337)