Vermilion Valley 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: 4.00 percentage points higher than in Q1 2026, at 82.11%. Vermilion Valley Bank ranks 194th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 71.82% (Q2 2026). Vermilion Valley Bank reported 71.82% on loan-to-deposit ratio for Q2 2026, 9.02 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.1M |
| 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 | $5.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.82% |
| Net loans and leases to deposits | 71.04% |
| Loans and leases to core deposits | 82.11% |
| Core deposits to total deposits | 87.46% |
| 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 | 64.16% | 92.04% | $0 | $6.8M |
| Q4 2023 | 73.28% | 91.39% | $5.5M | $10.6M |
| Q1 2024 | 71.23% | 90.53% | $0 | $10.5M |
| Q2 2024 | 71.64% | 90.18% | $0 | $7.8M |
| Q3 2024 | 77.36% | 89.96% | $0 | $10.0M |
| Q4 2024 | 78.29% | 89.24% | $0 | $11.4M |
| Q1 2025 | 73.29% | 89.27% | $0 | $3.4M |
| Q2 2025 | 73.87% | 89.22% | $0 | $5.0M |
| Q3 2025 | 74.26% | 89.49% | $0 | $3.7M |
| Q4 2025 | 75.18% | 88.92% | $0 | $10.3M |
| Q1 2026 | 68.34% | 87.49% | $0 | $0 |
| Q2 2026 | 71.82% | 87.46% | $0 | $5.7M |
Vermilion Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion Valley 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 Vermilion Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11667) · FFIEC NIC profile (RSSD 666844)