Yampa 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.
Cash and balances due from depository institutions dropped 59.3% in Q2 2026, from $27.6M to $11.2M. It was the largest change from Q1 2026 among the key lines here. Yampa Valley Bank ranks 28th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 87.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Yampa Valley Bank sits 6.67 points higher, at 87.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $145.8M |
| 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 | $10.7M |
| 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 | 87.51% |
| Net loans and leases to deposits | 86.27% |
| Loans and leases to core deposits | 92.75% |
| Core deposits to total deposits | 94.35% |
| Brokered deposits to total deposits | 5.35% |
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 | 74.30% | 96.65% | $11.7M | $0 |
| Q4 2023 | 77.43% | 96.18% | $13.3M | $0 |
| Q1 2024 | 78.15% | 96.18% | $0 | $0 |
| Q2 2024 | 81.68% | 96.39% | $9.6M | $0 |
| Q3 2024 | 81.40% | 96.23% | $0 | $0 |
| Q4 2024 | 82.12% | 96.16% | $4.5M | $0 |
| Q1 2025 | 83.77% | 95.83% | $0 | $0 |
| Q2 2025 | 89.02% | 96.11% | $20.3M | $0 |
| Q3 2025 | 86.27% | 96.34% | $0 | $0 |
| Q4 2025 | 84.45% | 95.14% | $0 | $0 |
| Q1 2026 | 83.15% | 94.37% | $0 | $0 |
| Q2 2026 | 87.51% | 94.35% | $10.7M | $0 |
Yampa Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Yampa 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 Yampa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35407) · FFIEC NIC profile (RSSD 2806635)