Range 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 Cash and balances due from depository institutions: 30.3% lower than in Q1 2026, at $24.9M. Range Bank ranks 52nd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 72.40% (Q2 2026). Range Bank reported 72.40% on loan-to-deposit ratio for Q2 2026, 8.15 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $198.4M |
| Fed funds sold and reverse repos | $161K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.40% |
| Net loans and leases to deposits | 71.43% |
| Loans and leases to core deposits | 74.87% |
| Core deposits to total deposits | 96.71% |
| 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 | 65.46% | 97.67% | $0 | $23.3M |
| Q4 2023 | 67.75% | 95.67% | $0 | $30.4M |
| Q1 2024 | 66.07% | 95.68% | $0 | $30.4M |
| Q2 2024 | 68.29% | 95.21% | $0 | $30.4M |
| Q3 2024 | 64.57% | 95.19% | $0 | $30.0M |
| Q4 2024 | 67.01% | 96.10% | $0 | $30.0M |
| Q1 2025 | 66.15% | 96.46% | $0 | $0 |
| Q2 2025 | 70.28% | 96.67% | $0 | $0 |
| Q3 2025 | 66.32% | 96.73% | $0 | $13.0M |
| Q4 2025 | 70.71% | 96.25% | $0 | $13.0M |
| Q1 2026 | 71.10% | 96.24% | $0 | $13.0M |
| Q2 2026 | 72.40% | 96.71% | $0 | $13.0M |
Range Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Range 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 Range Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5072) · FFIEC NIC profile (RSSD 355559)