River City 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.
Cash and noninterest-bearing balances to assets dropped 5.55 percentage points in Q2 2026, from 11.40% to 5.85%. It was the largest change from Q1 2026 among the key lines here. River City Bank ranks 72nd of 114 California banks on loan-to-deposit ratio, in the lower half at 85.75% (Q2 2026). At 85.75%, River City Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $353.4M |
| Cash and noninterest-bearing balances to assets | 5.85% |
| Cash and securities | $1.34B |
| 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 | $83.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.75% |
| Net loans and leases to deposits | 83.74% |
| Loans and leases to core deposits | 87.65% |
| Core deposits to total deposits | 68.81% |
| Brokered deposits to total deposits | 29.03% |
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 | 80.90% | 78.01% | $0 | $51.5M |
| Q4 2023 | 83.26% | 75.25% | $0 | $51.6M |
| Q1 2024 | 84.32% | 72.49% | $0 | $196.6M |
| Q2 2024 | 86.03% | 71.62% | $0 | $145.2M |
| Q3 2024 | 90.73% | 72.21% | $0 | $175.3M |
| Q4 2024 | 93.57% | 70.06% | $0 | $181.8M |
| Q1 2025 | 90.55% | 68.63% | $0 | $96.6M |
| Q2 2025 | 94.99% | 67.46% | $0 | $274.6M |
| Q3 2025 | 90.29% | 67.74% | $0 | $63.8M |
| Q4 2025 | 88.95% | 68.89% | $0 | $85.7M |
| Q1 2026 | 84.61% | 70.90% | $0 | $73.9M |
| Q2 2026 | 85.75% | 68.81% | $0 | $83.3M |
River City Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock River City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18983) · FFIEC NIC profile (RSSD 253468)