Rhinebeck 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.
Cash and balances due from depository institutions climbed 169.8% in Q2 2026, from $112.9M to $304.6M. It was the largest change from Q1 2026 among the key lines here. Rhinebeck Bank ranks 76th of 105 New York banks on loan-to-deposit ratio, in the lower half at 71.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Rhinebeck Bank sits 17.11 points lower, at 71.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $304.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $475.9M |
| 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 | $5.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.09% |
| Net loans and leases to deposits | 70.50% |
| Loans and leases to core deposits | 77.35% |
| Core deposits to total deposits | 91.91% |
| 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 | 92.26% | 91.70% | $0 | $87.7M |
| Q4 2023 | 96.88% | 90.56% | $0 | $128.1M |
| Q1 2024 | 95.05% | 90.64% | $0 | $108.1M |
| Q2 2024 | 94.00% | 91.20% | $0 | $79.8M |
| Q3 2024 | 91.90% | 91.04% | $0 | $59.8M |
| Q4 2024 | 94.31% | 90.88% | $0 | $69.8M |
| Q1 2025 | 93.76% | 91.19% | $0 | $53.9M |
| Q2 2025 | 88.74% | 90.86% | $0 | $26.6M |
| Q3 2025 | 87.37% | 91.01% | $0 | $26.6M |
| Q4 2025 | 86.24% | 91.18% | $0 | $25.2M |
| Q1 2026 | 84.37% | 90.91% | $0 | $5.2M |
| Q2 2026 | 71.09% | 91.91% | $0 | $5.2M |
Rhinebeck Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rhinebeck 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 Rhinebeck Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16032) · FFIEC NIC profile (RSSD 195111)