Village 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.
Other borrowed money dropped 54.5% in Q2 2026, from $33.0M to $15.0M. It was the largest change from Q1 2026 among the key lines here. Village Bank ranks 112th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 80.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Village Bank reported 80.76% for Q2 2026, nearly level with it.
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 | $102.3M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.76% |
| Net loans and leases to deposits | 79.83% |
| Loans and leases to core deposits | 84.67% |
| Core deposits to total deposits | 95.23% |
| Brokered deposits to total deposits | 0.14% |
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 | 67.38% | 96.04% | $0 | $0 |
| Q4 2023 | 68.74% | 96.00% | $0 | $0 |
| Q1 2024 | 72.11% | 95.37% | $0 | $5.3M |
| Q2 2024 | 74.66% | 94.78% | $0 | $5.3M |
| Q3 2024 | 72.07% | 95.06% | $0 | $0 |
| Q4 2024 | 74.43% | 96.03% | $0 | $0 |
| Q1 2025 | 77.62% | 95.99% | $0 | $8.4M |
| Q2 2025 | 77.16% | 96.10% | $0 | $5.0M |
| Q3 2025 | 78.01% | 96.13% | $0 | $21.0M |
| Q4 2025 | 81.13% | 96.21% | $0 | $26.0M |
| Q1 2026 | 83.71% | 96.02% | $0 | $33.0M |
| Q2 2026 | 80.76% | 95.23% | $0 | $15.0M |
Village Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Village 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 Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33761) · FFIEC NIC profile (RSSD 2010722)