The First National Bank of River Falls: 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: 58.9% lower than in Q1 2026, at $2.0M. On loan-to-deposit ratio, The First National Bank of River Falls is 10th from the bottom among 153 Wisconsin banks, 58.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of River Falls sits 21.91 points lower, at 58.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.3M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 0.62% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $9.6M |
| Other borrowed money | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.93% |
| Net loans and leases to deposits | 57.92% |
| Loans and leases to core deposits | 61.52% |
| Core deposits to total deposits | 95.79% |
| 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 | 49.48% | 98.38% | $7.9M | $0 |
| Q4 2023 | 52.63% | 97.68% | $6.9M | $4.0M |
| Q1 2024 | 52.03% | 97.05% | $7.3M | $2.7M |
| Q2 2024 | 55.75% | 96.30% | $7.4M | $3.0M |
| Q3 2024 | 58.41% | 95.49% | $6.9M | $14.4M |
| Q4 2024 | 62.31% | 95.83% | $7.4M | $28.4M |
| Q1 2025 | 60.28% | 95.38% | $7.3M | $13.4M |
| Q2 2025 | 61.23% | 95.15% | $8.3M | $12.4M |
| Q3 2025 | 60.76% | 95.48% | $8.7M | $2.4M |
| Q4 2025 | 59.98% | 96.23% | $9.8M | $2.4M |
| Q1 2026 | 57.40% | 96.35% | $9.1M | $2.4M |
| Q2 2026 | 58.93% | 95.79% | $9.6M | $2.4M |
The First National Bank of River Falls liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of River Falls, 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 The First National Bank of River Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5364) · FFIEC NIC profile (RSSD 956255)