Vinton County National 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 Cash and balances due from depository institutions: 21.9% lower than in Q1 2026, at $83.8M. Vinton County National Bank ranks 80th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 81.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Vinton County National Bank sits 6.98 points lower, at 81.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $83.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $415.8M |
| Fed funds sold and reverse repos | $95K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $14.5M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.22% |
| Net loans and leases to deposits | 80.39% |
| Loans and leases to core deposits | 89.53% |
| Core deposits to total deposits | 90.72% |
| 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 | 78.35% | 90.22% | $9.1M | $0 |
| Q4 2023 | 79.62% | 88.75% | $7.8M | $10.0M |
| Q1 2024 | 77.49% | 89.93% | $9.0M | $0 |
| Q2 2024 | 78.49% | 90.80% | $9.0M | $0 |
| Q3 2024 | 76.90% | 90.42% | $9.3M | $0 |
| Q4 2024 | 77.17% | 90.18% | $10.2M | $0 |
| Q1 2025 | 75.56% | 90.56% | $10.9M | $0 |
| Q2 2025 | 79.65% | 90.15% | $12.6M | $0 |
| Q3 2025 | 78.60% | 90.56% | $13.4M | $0 |
| Q4 2025 | 80.68% | 90.44% | $13.5M | $0 |
| Q1 2026 | 79.26% | 90.71% | $13.0M | $0 |
| Q2 2026 | 81.22% | 90.72% | $14.5M | $0 |
Vinton County National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vinton County National 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 Vinton County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6636) · FFIEC NIC profile (RSSD 754826)