Raccoon 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 Loans and leases to core deposits: 4.78 percentage points higher than in Q1 2026, at 113.31%. Raccoon Valley Bank ranks 82nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 88.87% (Q2 2026). Raccoon Valley Bank reported 88.87% on loan-to-deposit ratio for Q2 2026, 8.03 points above 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 | $19.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.1M |
| 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 | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.87% |
| Net loans and leases to deposits | 87.55% |
| Loans and leases to core deposits | 113.31% |
| Core deposits to total deposits | 78.20% |
| Brokered deposits to total deposits | 3.49% |
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 | 85.91% | 87.64% | $0 | $4.5M |
| Q4 2023 | 87.37% | 80.05% | $0 | $1.5M |
| Q1 2024 | 82.20% | 78.45% | $0 | $0 |
| Q2 2024 | 87.83% | 80.39% | $0 | $0 |
| Q3 2024 | 88.04% | 78.61% | $0 | $0 |
| Q4 2024 | 83.73% | 78.78% | $0 | $0 |
| Q1 2025 | 79.83% | 80.77% | $0 | $0 |
| Q2 2025 | 83.25% | 81.04% | $0 | $0 |
| Q3 2025 | 87.19% | 79.03% | $0 | $11.0M |
| Q4 2025 | 89.43% | 79.55% | $2.8M | $6.0M |
| Q1 2026 | 86.60% | 79.34% | $0 | $6.0M |
| Q2 2026 | 88.87% | 78.20% | $0 | $6.0M |
Raccoon Valley Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Raccoon 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 Raccoon Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 245) · FFIEC NIC profile (RSSD 102342)