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.
Loan-to-deposit ratio climbed 2.00 percentage points in Q2 2026, from 85.31% to 87.31%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, River City Bank is 31st of 122 on loan-to-deposit ratio, 87.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. River City Bank sits 6.47 points higher, at 87.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.7M |
| 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 | $709K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.31% |
| Net loans and leases to deposits | 86.17% |
| Loans and leases to core deposits | 96.03% |
| Core deposits to total deposits | 90.92% |
| 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 | 77.77% | 94.41% | $0 | $833K |
| Q4 2023 | 80.92% | 94.16% | $0 | $821K |
| Q1 2024 | 80.72% | 93.78% | $0 | $2.3M |
| Q2 2024 | 78.47% | 92.81% | $0 | $2.3M |
| Q3 2024 | 77.75% | 92.85% | $0 | $788K |
| Q4 2024 | 81.00% | 93.53% | $0 | $776K |
| Q1 2025 | 82.97% | 93.57% | $0 | $765K |
| Q2 2025 | 86.16% | 93.12% | $0 | $754K |
| Q3 2025 | 78.80% | 93.64% | $0 | $743K |
| Q4 2025 | 84.38% | 91.77% | $0 | $731K |
| Q1 2026 | 85.31% | 90.54% | $0 | $720K |
| Q2 2026 | 87.31% | 90.92% | $0 | $709K |
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 58289) · FFIEC NIC profile (RSSD 3445901)