West Valley 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 Loans and leases to core deposits: 16.27 percentage points higher than in Q1 2026, at 112.61%. On loan-to-deposit ratio, West Valley National Bank ranks 2nd highest among the 12 banks headquartered in Arizona, at 110.66% (Q2 2026). West Valley National Bank's loan-to-deposit ratio of 110.66% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 43.03 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.4M |
| 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 | $7.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.66% |
| Net loans and leases to deposits | 109.34% |
| Loans and leases to core deposits | 112.61% |
| Core deposits to total deposits | 98.27% |
| 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 | 94.03% | 97.21% | $0 | $565K |
| Q4 2023 | 91.55% | 96.77% | $0 | $0 |
| Q1 2024 | 94.53% | 98.25% | $0 | $500K |
| Q2 2024 | 101.16% | 97.01% | $0 | $3.3M |
| Q3 2024 | 105.19% | 98.22% | $0 | $5.3M |
| Q4 2024 | 102.80% | 98.33% | $0 | $3.0M |
| Q1 2025 | 90.24% | 97.79% | $0 | $0 |
| Q2 2025 | 97.28% | 94.11% | $0 | $0 |
| Q3 2025 | 98.43% | 98.79% | $0 | $0 |
| Q4 2025 | 110.16% | 98.79% | $0 | $7.4M |
| Q1 2026 | 94.91% | 98.52% | $0 | $0 |
| Q2 2026 | 110.66% | 98.27% | $0 | $7.5M |
West Valley National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Valley 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 West Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58426) · FFIEC NIC profile (RSSD 3480069)