The 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 Cash and balances due from depository institutions: 20.2% lower than in Q1 2026, at $9.3M. The Valley State Bank ranks 132nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 62.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. The Valley State Bank sits 17.88 points lower, at 62.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.5M |
| 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 | $1.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.67% |
| Net loans and leases to deposits | 62.07% |
| Loans and leases to core deposits | 71.50% |
| Core deposits to total deposits | 87.64% |
| 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 | 69.94% | 90.11% | $0 | $17.6M |
| Q4 2023 | 67.98% | 92.25% | $0 | $15.6M |
| Q1 2024 | 66.57% | 93.48% | $0 | $10.5M |
| Q2 2024 | 67.00% | 92.30% | $0 | $11.0M |
| Q3 2024 | 66.99% | 90.28% | $0 | $7.2M |
| Q4 2024 | 67.11% | 89.33% | $0 | $9.5M |
| Q1 2025 | 65.01% | 90.59% | $0 | $4.7M |
| Q2 2025 | 65.30% | 89.28% | $0 | $4.6M |
| Q3 2025 | 64.86% | 87.63% | $0 | $2.1M |
| Q4 2025 | 67.08% | 87.79% | $0 | $3.9M |
| Q1 2026 | 62.25% | 87.93% | $0 | $1.8M |
| Q2 2026 | 62.67% | 87.64% | $0 | $1.7M |
The 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 The 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 The Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15038) · FFIEC NIC profile (RSSD 1005552)