Reliance 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 Loan-to-deposit ratio: 2.87 percentage points lower than in Q1 2026, at 86.95%. Reliance Bank ranks 79th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 86.95% (Q2 2026). Reliance Bank reported 86.95% on loan-to-deposit ratio for Q2 2026, 6.11 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 | $5.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.1M |
| 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 | $21.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.95% |
| Net loans and leases to deposits | 85.84% |
| Loans and leases to core deposits | 91.13% |
| Core deposits to total deposits | 79.32% |
| Brokered deposits to total deposits | 16.10% |
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 | 100.12% | 90.00% | $0 | $9.1M |
| Q4 2023 | 103.87% | 87.27% | $0 | $20.0M |
| Q1 2024 | 101.54% | 84.24% | $0 | $14.0M |
| Q2 2024 | 98.40% | 84.28% | $0 | $14.0M |
| Q3 2024 | 95.62% | 84.88% | $0 | $20.0M |
| Q4 2024 | 96.91% | 83.21% | $0 | $26.6M |
| Q1 2025 | 93.58% | 84.49% | $0 | $20.0M |
| Q2 2025 | 90.68% | 81.95% | $0 | $19.0M |
| Q3 2025 | 95.95% | 77.79% | $0 | $33.5M |
| Q4 2025 | 90.30% | 78.54% | $0 | $19.8M |
| Q1 2026 | 89.82% | 78.94% | $0 | $28.1M |
| Q2 2026 | 86.95% | 79.32% | $0 | $21.1M |
Reliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance 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 Reliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58602) · FFIEC NIC profile (RSSD 3596250)