Relyance Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Relyance Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $153.4M in Q3 2026, up 159.9% from $59.0M in Q3 2025. That is 10.2% of its total assets. Across the 12 quarters shown it ranged from $27.2M (Q2 2024) to $238.4M (Q4 2023).
Cash and balances due from depository institutions climbed 177.6% in Q3 2026, from $55.3M to $153.4M. It was the largest change from Q2 2026 among the key lines here. Relyance Bank ranks 43rd of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 86.08% (Q3 2026). The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio; Relyance Bank reported 86.08% for Q3 2026, nearly level with it.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $153.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $286.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Other borrowed money changed the most here, down 1.8% to $3.3M in Q3 2026 from $3.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.22% |
| Trading liabilities | $0 |
Funding structure
Largest change in this table: loans and leases to core deposits, down 7.01 points to 101.53% in Q3 2026 after 108.54% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 86.08% |
| Net loans and leases to deposits | 85.10% |
| Loans and leases to core deposits | 101.53% |
| Core deposits to total deposits | 83.24% |
| Brokered deposits to total deposits | 1.55% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 77.42% | 89.08% | $0 | $13K |
| Q1 2024 | 88.25% | 89.95% | $0 | $20.0M |
| Q2 2024 | 92.36% | 87.50% | $0 | $4K |
| Q3 2024 | 94.99% | 84.76% | $0 | $45.0M |
| Q4 2024 | 90.96% | 81.25% | $0 | $0 |
| Q1 2025 | 85.46% | 84.70% | $10.1M | $1.0M |
| Q2 2025 | 88.54% | 86.51% | $0 | $0 |
| Q3 2025 | 91.42% | 83.70% | $0 | $0 |
| Q4 2025 | 90.73% | 85.61% | $0 | $0 |
| Q1 2026 | 87.43% | 84.88% | $0 | $0 |
| Q2 2026 | 92.94% | 83.99% | $0 | $3.4M |
| Q3 2026 | 86.08% | 83.24% | $0 | $3.3M |
Relyance Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Relyance Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 19371) · FFIEC NIC profile (RSSD 49241)