Village Bank & Trust, N.A.: 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: 53.3% higher than in Q1 2026, at $64.2M. Village Bank & Trust, N.A. ranks 43rd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 94.53% (Q2 2026). Village Bank & Trust, N.A. reported 94.53% on loan-to-deposit ratio for Q2 2026, 6.32 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.2M |
| Cash and noninterest-bearing balances to assets | 1.77% |
| Cash and securities | $707.4M |
| Fed funds sold and reverse repos | $4K |
| 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 | $277.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.64% |
| Trading liabilities | $3.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.53% |
| Net loans and leases to deposits | 93.69% |
| Loans and leases to core deposits | 106.20% |
| Core deposits to total deposits | 75.66% |
| Brokered deposits to total deposits | 13.37% |
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 | 94.77% | 82.48% | $0 | $150.9M |
| Q4 2023 | 96.91% | 84.02% | $0 | $150.9M |
| Q1 2024 | 97.58% | 83.10% | $0 | $200.8M |
| Q2 2024 | 90.86% | 81.81% | $0 | $200.8M |
| Q3 2024 | 95.70% | 82.63% | $0 | $200.5M |
| Q4 2024 | 96.16% | 83.03% | $0 | $200.4M |
| Q1 2025 | 95.38% | 81.65% | $0 | $200.4M |
| Q2 2025 | 94.47% | 78.65% | $0 | $200.3M |
| Q3 2025 | 92.19% | 79.18% | $0 | $200.3M |
| Q4 2025 | 93.07% | 80.39% | $0 | $250.9M |
| Q1 2026 | 94.95% | 78.68% | $0 | $250.9M |
| Q2 2026 | 94.53% | 75.66% | $0 | $277.2M |
Village Bank & Trust, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Village Bank & Trust, N.A., 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 & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34011) · FFIEC NIC profile (RSSD 2298995)