River 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 Fed funds sold and reverse repos: 319.4% higher than in Q1 2026, at $14.9M. Among 153 Wisconsin banks, River Bank sits 11th from the top on loan-to-deposit ratio, 112.86% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. River Bank sits 24.66 points higher, at 112.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $72.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $150.2M |
| Fed funds sold and reverse repos | $14.9M |
| Fed funds sold and reverse repos to assets | 1.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.5M |
| Other borrowed money | $130.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.86% |
| Net loans and leases to deposits | 111.32% |
| Loans and leases to core deposits | 130.58% |
| Core deposits to total deposits | 86.33% |
| Brokered deposits to total deposits | 0.83% |
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 | 114.31% | 77.01% | $279K | $194.3M |
| Q4 2023 | 111.45% | 79.10% | $284K | $188.3M |
| Q1 2024 | 111.36% | 80.54% | $282K | $180.5M |
| Q2 2024 | 113.75% | 79.57% | $1.8M | $175.5M |
| Q3 2024 | 114.77% | 79.01% | $1.8M | $164.5M |
| Q4 2024 | 112.06% | 81.98% | $1.1M | $161.5M |
| Q1 2025 | 109.44% | 82.88% | $1.6M | $143.5M |
| Q2 2025 | 112.46% | 83.10% | $1.3M | $143.5M |
| Q3 2025 | 111.06% | 83.44% | $2.1M | $132.0M |
| Q4 2025 | 107.95% | 84.46% | $2.2M | $136.0M |
| Q1 2026 | 106.66% | 87.01% | $2.6M | $129.0M |
| Q2 2026 | 112.86% | 86.33% | $3.5M | $130.8M |
River Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock River 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14995) · FFIEC NIC profile (RSSD 279842)