River Bank & Trust: 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 Other borrowed money: 35.0% higher than in Q1 2026, at $135.0M. Within Alabama, River Bank & Trust is 22nd of 93 on loan-to-deposit ratio, 81.60% as of Q2 2026. River Bank & Trust reported 81.60% on loan-to-deposit ratio for Q2 2026, 6.60 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $160.3M |
| Cash and noninterest-bearing balances to assets | 2.89% |
| Cash and securities | $958.6M |
| Fed funds sold and reverse repos | $44.0M |
| Fed funds sold and reverse repos to assets | 1.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $135.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.60% |
| Net loans and leases to deposits | 80.47% |
| Loans and leases to core deposits | 94.74% |
| Core deposits to total deposits | 86.13% |
| 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 | 76.61% | 91.42% | $19.8M | $155.0M |
| Q4 2023 | 82.07% | 90.44% | $16.7M | $230.0M |
| Q1 2024 | 78.51% | 89.49% | $14.6M | $205.0M |
| Q2 2024 | 80.11% | 88.48% | $15.3M | $200.0M |
| Q3 2024 | 80.01% | 87.65% | $13.9M | $150.0M |
| Q4 2024 | 81.27% | 87.59% | $22.7M | $205.0M |
| Q1 2025 | 80.46% | 88.32% | $21.2M | $150.0M |
| Q2 2025 | 79.72% | 88.08% | $0 | $150.0M |
| Q3 2025 | 78.94% | 87.29% | $0 | $150.0M |
| Q4 2025 | 81.81% | 86.64% | $0 | $100.0M |
| Q1 2026 | 79.70% | 86.11% | $0 | $100.0M |
| Q2 2026 | 81.60% | 86.13% | $0 | $135.0M |
River Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock River Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58255) · FFIEC NIC profile (RSSD 3437157)