River Falls State 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.
Loans and leases to core deposits dropped 3.87 percentage points in Q2 2026, from 90.14% to 86.27%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, River Falls State Bank is 101st of 153 on loan-to-deposit ratio, 81.61% as of Q2 2026, below the middle of the field. At 81.61%, River Falls State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.5M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 2.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.61% |
| Net loans and leases to deposits | 80.53% |
| Loans and leases to core deposits | 86.27% |
| Core deposits to total deposits | 87.43% |
| Brokered deposits to total deposits | 7.17% |
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 | 82.89% | 88.57% | $0 | $5.5M |
| Q4 2023 | 80.77% | 88.93% | $0 | $5.5M |
| Q1 2024 | 81.50% | 85.60% | $0 | $5.5M |
| Q2 2024 | 80.67% | 85.90% | $0 | $5.5M |
| Q3 2024 | 83.18% | 85.87% | $0 | $5.5M |
| Q4 2024 | 83.02% | 86.08% | $0 | $5.5M |
| Q1 2025 | 84.80% | 87.52% | $0 | $5.5M |
| Q2 2025 | 85.96% | 87.17% | $0 | $5.5M |
| Q3 2025 | 82.94% | 88.94% | $0 | $5.5M |
| Q4 2025 | 85.64% | 88.99% | $613K | $1.0M |
| Q1 2026 | 85.26% | 89.75% | $0 | $1.0M |
| Q2 2026 | 81.61% | 87.43% | $0 | $1.0M |
River Falls State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock River Falls State 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 Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16840) · FFIEC NIC profile (RSSD 955753)