Rio 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.
Loan-to-deposit ratio climbed 4.72 percentage points in Q2 2026, from 66.95% to 71.67%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Rio Bank is 181st of 346 on loan-to-deposit ratio, 71.67% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Rio Bank sits 16.53 points lower, at 71.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $84.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $430.3M |
| 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 | $80.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.67% |
| Net loans and leases to deposits | 70.81% |
| Loans and leases to core deposits | 74.63% |
| Core deposits to total deposits | 93.85% |
| Brokered deposits to total deposits | 2.18% |
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 | 54.20% | 98.22% | $0 | $0 |
| Q4 2023 | 57.07% | 98.64% | $0 | $0 |
| Q1 2024 | 59.08% | 98.33% | $0 | $47.0M |
| Q2 2024 | 59.17% | 98.43% | $0 | $47.0M |
| Q3 2024 | 59.73% | 98.07% | $0 | $100.0M |
| Q4 2024 | 63.23% | 97.88% | $0 | $100.0M |
| Q1 2025 | 67.44% | 97.89% | $0 | $125.0M |
| Q2 2025 | 68.80% | 96.24% | $0 | $120.0M |
| Q3 2025 | 65.91% | 96.74% | $0 | $80.0M |
| Q4 2025 | 67.94% | 97.13% | $0 | $75.0M |
| Q1 2026 | 66.95% | 93.51% | $0 | $80.0M |
| Q2 2026 | 71.67% | 93.85% | $0 | $80.0M |
Rio Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rio 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 Rio Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25886) · FFIEC NIC profile (RSSD 956750)