Virginia 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.
Loan-to-deposit ratio climbed 0.82 percentage points in Q2 2026, from 86.68% to 87.51%. It was the largest change from Q1 2026 among the key lines here. Virginia National Bank ranks 28th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 87.51% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Virginia National Bank reported 87.51% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $312.1M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.51% |
| Net loans and leases to deposits | 86.93% |
| Loans and leases to core deposits | 92.96% |
| Core deposits to total deposits | 94.14% |
| 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 | 74.41% | 93.13% | $0 | $43.0M |
| Q4 2023 | 77.53% | 92.31% | $3.5M | $66.5M |
| Q1 2024 | 78.77% | 91.91% | $0 | $20.0M |
| Q2 2024 | 84.25% | 92.31% | $2.4M | $30.0M |
| Q3 2024 | 88.02% | 92.56% | $3.1M | $52.5M |
| Q4 2024 | 86.76% | 92.83% | $236K | $20.0M |
| Q1 2025 | 86.60% | 93.35% | $0 | $20.0M |
| Q2 2025 | 89.34% | 93.44% | $0 | $61.0M |
| Q3 2025 | 89.10% | 92.88% | $0 | $30.0M |
| Q4 2025 | 86.37% | 93.26% | $0 | $20.0M |
| Q1 2026 | 86.68% | 93.71% | $0 | $20.0M |
| Q2 2026 | 87.51% | 94.14% | $0 | $20.0M |
Virginia National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Virginia 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 Virginia National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34755) · FFIEC NIC profile (RSSD 2708122)