The Richwood Banking Company, Inc.: 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 Fed funds sold and reverse repos: 76.4% lower than in Q1 2026, at $5.0M. Within Ohio, The Richwood Banking Company, Inc. is 73rd of 156 on loan-to-deposit ratio, 83.57% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Richwood Banking Company, Inc. sits 4.63 points lower, at 83.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $320.9M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.39% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $412K |
| Other borrowed money | $85.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.57% |
| Net loans and leases to deposits | 82.68% |
| Loans and leases to core deposits | 89.78% |
| Core deposits to total deposits | 93.08% |
| 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 | 80.15% | 91.07% | $0 | $103.0M |
| Q4 2023 | 84.39% | 89.53% | $0 | $178.0M |
| Q1 2024 | 69.77% | 92.89% | $0 | $86.0M |
| Q2 2024 | 74.50% | 93.30% | $0 | $51.0M |
| Q3 2024 | 70.85% | 94.09% | $0 | $48.0M |
| Q4 2024 | 75.08% | 92.18% | $0 | $60.0M |
| Q1 2025 | 72.23% | 93.66% | $0 | $25.0M |
| Q2 2025 | 78.90% | 92.90% | $0 | $60.0M |
| Q3 2025 | 80.63% | 92.95% | $0 | $35.0M |
| Q4 2025 | 82.85% | 92.85% | $0 | $59.0M |
| Q1 2026 | 76.85% | 93.44% | $731K | $0 |
| Q2 2026 | 83.57% | 93.08% | $412K | $85.0M |
The Richwood Banking Company, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Richwood Banking Company, Inc., 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 The Richwood Banking Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12978) · FFIEC NIC profile (RSSD 150727)