Riverhills 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 37.5% lower than in Q1 2026, at $4.2M. Riverhills Bank ranks 27th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 97.48% (Q2 2026). Riverhills Bank reported 97.48% on loan-to-deposit ratio for Q2 2026, 16.54 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.4M |
| 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 | $8.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.48% |
| Net loans and leases to deposits | 96.20% |
| Loans and leases to core deposits | 98.30% |
| Core deposits to total deposits | 79.67% |
| Brokered deposits to total deposits | 19.50% |
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 | 87.79% | 77.20% | $0 | $48.6M |
| Q4 2023 | 91.48% | 77.07% | $0 | $56.7M |
| Q1 2024 | 97.82% | 77.31% | $0 | $61.7M |
| Q2 2024 | 102.84% | 76.13% | $0 | $38.0M |
| Q3 2024 | 97.68% | 75.63% | $0 | $20.9M |
| Q4 2024 | 93.95% | 76.13% | $0 | $8.3M |
| Q1 2025 | 96.69% | 76.42% | $0 | $15.6M |
| Q2 2025 | 91.04% | 78.64% | $0 | $0 |
| Q3 2025 | 89.43% | 78.53% | $0 | $0 |
| Q4 2025 | 88.64% | 78.82% | $0 | $0 |
| Q1 2026 | 93.90% | 79.81% | $0 | $0 |
| Q2 2026 | 97.48% | 79.67% | $0 | $8.4M |
Riverhills Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverhills 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 Riverhills Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6662) · FFIEC NIC profile (RSSD 371223)