The Riddell National 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.
Loans and leases to core deposits climbed 2.15 percentage points in Q2 2026, from 104.27% to 106.42%. It was the largest change from Q1 2026 among the key lines here. The Riddell National Bank ranks 42nd of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 84.70% (Q2 2026). The Riddell National Bank reported 84.70% on loan-to-deposit ratio for Q2 2026, 3.86 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.7M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.70% |
| Net loans and leases to deposits | 83.68% |
| Loans and leases to core deposits | 106.42% |
| Core deposits to total deposits | 78.58% |
| Brokered deposits to total deposits | 1.01% |
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 | 85.11% | 85.47% | $2.7M | $8.2M |
| Q4 2023 | 86.15% | 85.02% | $536K | $13.2M |
| Q1 2024 | 87.94% | 84.13% | $0 | $18.2M |
| Q2 2024 | 91.94% | 84.97% | $0 | $24.4M |
| Q3 2024 | 90.77% | 84.23% | $0 | $20.7M |
| Q4 2024 | 88.00% | 82.72% | $0 | $20.7M |
| Q1 2025 | 84.62% | 82.22% | $0 | $9.5M |
| Q2 2025 | 87.34% | 83.13% | $0 | $10.0M |
| Q3 2025 | 87.04% | 81.65% | $0 | $10.0M |
| Q4 2025 | 87.38% | 81.35% | $3.0M | $5.0M |
| Q1 2026 | 84.16% | 79.70% | $0 | $5.0M |
| Q2 2026 | 84.70% | 78.58% | $0 | $5.0M |
The Riddell National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Riddell National 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 The Riddell National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4318) · FFIEC NIC profile (RSSD 319047)