Ventura National Bank & Trust: 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 11.23 percentage points in Q2 2026, from 102.63% to 113.85%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Ventura National Bank & Trust ranks 7th highest among the 182 banks headquartered in Kansas, at 111.90% (Q2 2026). Ventura National Bank & Trust's loan-to-deposit ratio of 111.90% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 43.97 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $4.3M |
| Fed funds sold and reverse repos | $421K |
| Fed funds sold and reverse repos to assets | 1.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $209K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.90% |
| Net loans and leases to deposits | 111.13% |
| Loans and leases to core deposits | 113.85% |
| Core deposits to total deposits | 98.28% |
| Brokered deposits to total deposits | 1.53% |
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 | 58.26% | 96.23% | $0 | $357K |
| Q4 2023 | 58.23% | 94.41% | $0 | $326K |
| Q1 2024 | 57.30% | 94.53% | $0 | $316K |
| Q2 2024 | 58.86% | 94.38% | $0 | $302K |
| Q3 2024 | 58.21% | 94.47% | $0 | $292K |
| Q4 2024 | 80.40% | 96.96% | $0 | $277K |
| Q1 2025 | 95.38% | 96.47% | $0 | $267K |
| Q2 2025 | 91.28% | 97.12% | $0 | $251K |
| Q3 2025 | 69.76% | 98.06% | $0 | $241K |
| Q4 2025 | 63.27% | 98.48% | $0 | $231K |
| Q1 2026 | 100.98% | 98.39% | $0 | $220K |
| Q2 2026 | 111.90% | 98.28% | $0 | $209K |
Ventura National Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ventura National Bank & Trust, 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 Ventura National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4683) · FFIEC NIC profile (RSSD 931458)