Valliance 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.
Fed funds sold and reverse repos climbed 187.7% in Q2 2026, from $1.5M to $4.3M. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, Valliance Bank sits 5th from the top on loan-to-deposit ratio, 106.50% as of Q2 2026. Valliance Bank reported 106.50% on loan-to-deposit ratio for Q2 2026, 25.56 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.1M |
| Fed funds sold and reverse repos | $4.3M |
| Fed funds sold and reverse repos to assets | 0.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $96.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.50% |
| Net loans and leases to deposits | 105.31% |
| Loans and leases to core deposits | 109.50% |
| Core deposits to total deposits | 68.43% |
| Brokered deposits to total deposits | 28.83% |
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 | 101.58% | 77.07% | $0 | $27.0M |
| Q4 2023 | 101.99% | 77.73% | $0 | $27.0M |
| Q1 2024 | 109.57% | 77.46% | $0 | $64.0M |
| Q2 2024 | 107.01% | 78.28% | $0 | $51.5M |
| Q3 2024 | 99.58% | 72.70% | $0 | $37.0M |
| Q4 2024 | 97.41% | 69.11% | $0 | $37.0M |
| Q1 2025 | 99.48% | 68.95% | $0 | $32.0M |
| Q2 2025 | 101.54% | 70.42% | $0 | $53.0M |
| Q3 2025 | 99.14% | 68.03% | $0 | $43.7M |
| Q4 2025 | 97.72% | 67.31% | $0 | $22.0M |
| Q1 2026 | 99.27% | 68.08% | $0 | $38.5M |
| Q2 2026 | 106.50% | 68.43% | $0 | $96.0M |
Valliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Valliance 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 Valliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57841) · FFIEC NIC profile (RSSD 3267738)