Riverbank: 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.
Fed funds sold and reverse repos climbed 131.1% in Q2 2026, from $6.8M to $15.8M. It was the largest change from Q1 2026 among the key lines here. Riverbank ranks 15th of 29 Washington banks on loan-to-deposit ratio, in the lower half at 86.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Riverbank sits 6.42 points higher, at 86.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.8M |
| Fed funds sold and reverse repos | $15.8M |
| Fed funds sold and reverse repos to assets | 5.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.97% |
| Net loans and leases to deposits | 85.81% |
| Loans and leases to core deposits | 95.38% |
| Core deposits to total deposits | 91.18% |
| Brokered deposits to total deposits | 16.96% |
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 | 90.45% | 90.13% | $0 | $5.0M |
| Q4 2023 | 88.02% | 92.29% | $0 | $5.0M |
| Q1 2024 | 92.28% | 91.96% | $0 | $5.0M |
| Q2 2024 | 89.27% | 92.13% | $0 | $0 |
| Q3 2024 | 88.62% | 90.95% | $0 | $0 |
| Q4 2024 | 93.10% | 91.43% | $0 | $0 |
| Q1 2025 | 97.73% | 91.50% | $2.0M | $0 |
| Q2 2025 | 94.86% | 92.13% | $0 | $0 |
| Q3 2025 | 95.43% | 92.57% | $0 | $0 |
| Q4 2025 | 90.80% | 92.69% | $0 | $5.0M |
| Q1 2026 | 94.48% | 91.17% | $0 | $2.0M |
| Q2 2026 | 86.97% | 91.18% | $0 | $2.0M |
Riverbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverbank, 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 Riverbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58322) · FFIEC NIC profile (RSSD 3438958)