Five Rivers 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: 8.18 percentage points higher than in Q1 2026, at 73.02%. On loan-to-deposit ratio, Five Rivers Bank is 5th from the bottom among 49 New Jersey banks, 38.17% (Q2 2026). Five Rivers Bank reported 38.17% on loan-to-deposit ratio for Q2 2026, 29.15 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.3M |
| 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 | $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 | 38.17% |
| Net loans and leases to deposits | 37.72% |
| Loans and leases to core deposits | 73.02% |
| Core deposits to total deposits | 52.27% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 5 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 |
|---|---|---|---|---|
| Q2 2025 | — | — | $0 | $0 |
| Q3 2025 | 0.00% | 100.00% | $0 | $0 |
| Q4 2025 | 35.93% | 60.84% | $0 | $0 |
| Q1 2026 | 37.61% | 57.99% | $0 | $0 |
| Q2 2026 | 38.17% | 52.27% | $0 | $0 |
Five Rivers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Rivers 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 Five Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59345) · FFIEC NIC profile (RSSD 5882500)