Raritan State 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 Fed funds sold and reverse repos: 65.0% lower than in Q1 2026, at $7.8M. Raritan State Bank ranks 96th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 84.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Raritan State Bank sits 4.00 points higher, at 84.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.3M |
| Fed funds sold and reverse repos | $7.8M |
| Fed funds sold and reverse repos to assets | 3.06% |
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 | 84.84% |
| Net loans and leases to deposits | 84.06% |
| Loans and leases to core deposits | 95.87% |
| Core deposits to total deposits | 88.49% |
| 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 | 74.47% | 91.55% | $5.0M | $0 |
| Q4 2023 | 70.52% | 89.34% | $0 | $0 |
| Q1 2024 | 69.76% | 87.11% | $0 | $0 |
| Q2 2024 | 72.14% | 86.78% | $0 | $0 |
| Q3 2024 | 75.90% | 86.39% | $3.6M | $0 |
| Q4 2024 | 76.13% | 87.51% | $0 | $0 |
| Q1 2025 | 75.93% | 88.11% | $0 | $0 |
| Q2 2025 | 78.39% | 87.92% | $950K | $0 |
| Q3 2025 | 81.35% | 87.66% | $0 | $0 |
| Q4 2025 | 82.73% | 87.75% | $0 | $0 |
| Q1 2026 | 83.13% | 87.91% | $0 | $0 |
| Q2 2026 | 84.84% | 88.49% | $0 | $0 |
Raritan State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Raritan State 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 Raritan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10438) · FFIEC NIC profile (RSSD 749943)