Richland County 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 Cash and balances due from depository institutions: 32.5% lower than in Q1 2026, at $6.9M. On loan-to-deposit ratio, Richland County Bank is 6th from the bottom among 153 Wisconsin banks, 51.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Richland County Bank sits 28.91 points lower, at 51.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.7M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.94% |
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 | 51.93% |
| Net loans and leases to deposits | 51.27% |
| Loans and leases to core deposits | 52.91% |
| Core deposits to total deposits | 98.15% |
| 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 | 49.45% | 92.20% | $0 | $0 |
| Q4 2023 | 46.92% | 92.46% | $0 | $0 |
| Q1 2024 | 49.39% | 94.36% | $0 | $0 |
| Q2 2024 | 47.65% | 93.97% | $0 | $0 |
| Q3 2024 | 49.51% | 92.75% | $0 | $0 |
| Q4 2024 | 46.69% | 93.13% | $0 | $0 |
| Q1 2025 | 46.92% | 94.94% | $0 | $0 |
| Q2 2025 | 50.25% | 96.07% | $0 | $0 |
| Q3 2025 | 52.71% | 95.84% | $0 | $0 |
| Q4 2025 | 50.77% | 95.58% | $0 | $0 |
| Q1 2026 | 50.44% | 97.83% | $0 | $0 |
| Q2 2026 | 51.93% | 98.15% | $0 | $0 |
Richland County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Richland County 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 Richland County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15092) · FFIEC NIC profile (RSSD 331544)