River City Bank, Inc.: 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 Loans and leases to core deposits: 1.49 percentage points higher than in Q1 2026, at 92.36%. Within Kentucky, River City Bank, Inc. is 51st of 120 on loan-to-deposit ratio, 85.77% as of Q2 2026, above the middle of the field. River City Bank, Inc. reported 85.77% on loan-to-deposit ratio for Q2 2026, 4.93 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.3M |
| Cash and noninterest-bearing balances to assets | 2.70% |
| Cash and securities | $87.9M |
| 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 | $2.0M |
| Other borrowed money | $238K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.77% |
| Net loans and leases to deposits | 85.18% |
| Loans and leases to core deposits | 92.36% |
| Core deposits to total deposits | 92.87% |
| 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 | 80.11% | 89.90% | $0 | $23.8M |
| Q4 2023 | 84.00% | 89.77% | $5.5M | $23.8M |
| Q1 2024 | 88.26% | 89.18% | $4.0M | $33.7M |
| Q2 2024 | 84.41% | 89.37% | $0 | $28.7M |
| Q3 2024 | 85.92% | 92.71% | $0 | $22.6M |
| Q4 2024 | 85.84% | 92.92% | $0 | $22.5M |
| Q1 2025 | 87.57% | 92.91% | $0 | $22.5M |
| Q2 2025 | 87.07% | 92.75% | $0 | $18.4M |
| Q3 2025 | 85.16% | 92.58% | $0 | $13.4M |
| Q4 2025 | 83.71% | 92.83% | $0 | $4.3M |
| Q1 2026 | 84.32% | 92.79% | $0 | $285K |
| Q2 2026 | 85.77% | 92.87% | $2.0M | $238K |
River City Bank, Inc. 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, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26703) · FFIEC NIC profile (RSSD 396244)