Bank of Richmondville: 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 40.0% in Q2 2026, from $24.1M to $14.4M. It was the largest change from Q1 2026 among the key lines here. Within New York, Bank of Richmondville is 94th of 105 on loan-to-deposit ratio, 50.88% as of Q2 2026, below the middle of the field. Bank of Richmondville reported 50.88% on loan-to-deposit ratio for Q2 2026, 29.96 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.5M |
| Fed funds sold and reverse repos | $588K |
| Fed funds sold and reverse repos to assets | 0.32% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 50.88% |
| Net loans and leases to deposits | 50.08% |
| Loans and leases to core deposits | 54.40% |
| Core deposits to total deposits | 93.53% |
| 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 | 48.82% | 95.82% | $0 | $0 |
| Q4 2023 | 49.47% | 94.92% | $0 | $0 |
| Q1 2024 | 51.08% | 94.49% | $0 | $0 |
| Q2 2024 | 52.70% | 93.57% | $0 | $5.2M |
| Q3 2024 | 51.34% | 93.70% | $0 | $0 |
| Q4 2024 | 53.10% | 92.89% | $0 | $2.0M |
| Q1 2025 | 51.94% | 93.09% | $0 | $0 |
| Q2 2025 | 52.78% | 92.78% | $0 | $0 |
| Q3 2025 | 49.78% | 93.09% | $0 | $0 |
| Q4 2025 | 52.81% | 93.48% | $0 | $0 |
| Q1 2026 | 48.41% | 93.93% | $0 | $0 |
| Q2 2026 | 50.88% | 93.53% | $0 | $0 |
Bank of Richmondville liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Richmondville, 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 Bank of Richmondville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12956) · FFIEC NIC profile (RSSD 767611)