River Valley Community 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.
Other borrowed money dropped 23.3% in Q2 2026, from $30.0M to $23.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, River Valley Community Bank is 8th from the bottom among 114 California banks, 57.50% (Q2 2026). River Valley Community Bank reported 57.50% on loan-to-deposit ratio for Q2 2026, 23.34 points below 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 | $72.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $359.0M |
| 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 | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.50% |
| Net loans and leases to deposits | 56.79% |
| Loans and leases to core deposits | 60.63% |
| Core deposits to total deposits | 92.26% |
| Brokered deposits to total deposits | 2.58% |
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 | 52.20% | 96.52% | $0 | $0 |
| Q4 2023 | 55.33% | 96.12% | $0 | $0 |
| Q1 2024 | 57.89% | 96.36% | $0 | $40.0M |
| Q2 2024 | 57.19% | 96.29% | $0 | $40.0M |
| Q3 2024 | 60.02% | 95.91% | $0 | $0 |
| Q4 2024 | 63.90% | 93.33% | $0 | $0 |
| Q1 2025 | 60.71% | 93.29% | $0 | $0 |
| Q2 2025 | 65.65% | 92.90% | $0 | $0 |
| Q3 2025 | 60.56% | 88.55% | $0 | $0 |
| Q4 2025 | 59.75% | 93.98% | $0 | $30.5M |
| Q1 2026 | 59.36% | 93.25% | $0 | $30.0M |
| Q2 2026 | 57.50% | 92.26% | $0 | $23.0M |
River Valley Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock River Valley Community 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 Valley Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58276) · FFIEC NIC profile (RSSD 3451050)