Willamette Valley 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 Fed funds sold and reverse repos: 47.9% higher than in Q1 2026, at $20.4M. Within Oregon, Willamette Valley Bank is 6th of 12 on loan-to-deposit ratio, 84.55% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Willamette Valley Bank sits 3.99 points higher, at 84.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $146.5M |
| Fed funds sold and reverse repos | $20.4M |
| Fed funds sold and reverse repos to assets | 4.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.55% |
| Net loans and leases to deposits | 83.69% |
| Loans and leases to core deposits | 89.95% |
| Core deposits to total deposits | 94.00% |
| 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 | 101.40% | 92.05% | $500K | $0 |
| Q4 2023 | 102.81% | 91.62% | $500K | $0 |
| Q1 2024 | 105.31% | 91.68% | $0 | $4.0M |
| Q2 2024 | 108.78% | 92.77% | $0 | $88.2M |
| Q3 2024 | 97.30% | 91.56% | $0 | $69.0M |
| Q4 2024 | 93.75% | 90.84% | $0 | $56.0M |
| Q1 2025 | 91.49% | 91.18% | $0 | $44.0M |
| Q2 2025 | 96.48% | 92.20% | $0 | $48.0M |
| Q3 2025 | 90.28% | 91.94% | $0 | $37.0M |
| Q4 2025 | 89.87% | 91.63% | $0 | $37.0M |
| Q1 2026 | 88.06% | 92.67% | $0 | $27.0M |
| Q2 2026 | 84.55% | 94.00% | $0 | $24.0M |
Willamette Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Willamette Valley 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 Willamette Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57033) · FFIEC NIC profile (RSSD 2954497)