RG Bank, a Savings and Loan Association: 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: 25.7% lower than in Q1 2026, at $5.4M. RG Bank, a Savings and Loan Association ranks 24th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 89.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. RG Bank, a Savings and Loan Association sits 8.72 points higher, at 89.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.2M |
| 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 | $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 | 89.66% |
| Net loans and leases to deposits | 88.58% |
| Loans and leases to core deposits | 103.66% |
| Core deposits to total deposits | 86.50% |
| 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 | 82.36% | 90.36% | $0 | $0 |
| Q4 2023 | 82.18% | 88.67% | $0 | $0 |
| Q1 2024 | 85.25% | 88.74% | $0 | $0 |
| Q2 2024 | 86.80% | 88.76% | $0 | $1.5M |
| Q3 2024 | 90.61% | 88.69% | $0 | $7.0M |
| Q4 2024 | 88.18% | 88.82% | $0 | $7.0M |
| Q1 2025 | 87.93% | 88.46% | $0 | $2.0M |
| Q2 2025 | 88.47% | 87.85% | $0 | $2.0M |
| Q3 2025 | 88.50% | 87.27% | $0 | $0 |
| Q4 2025 | 88.54% | 87.54% | $0 | $0 |
| Q1 2026 | 87.79% | 86.64% | $0 | $0 |
| Q2 2026 | 89.66% | 86.50% | $0 | $0 |
RG Bank, a Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock RG Bank, a Savings and Loan Association, 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 RG Bank, a Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28315) · FFIEC NIC profile (RSSD 256076)