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.
Loans and leases to core deposits climbed 8.21 percentage points in Q2 2026, from 67.23% to 75.44%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Riverhills Bank is 35th of 57 on loan-to-deposit ratio, 67.90% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Riverhills Bank sits 12.94 points lower, at 67.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $173.3M |
| 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 | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.90% |
| Net loans and leases to deposits | 66.49% |
| Loans and leases to core deposits | 75.44% |
| Core deposits to total deposits | 90.00% |
| 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 | 44.54% | 91.63% | $0 | $2.4M |
| Q4 2023 | 41.92% | 91.38% | $0 | $2.3M |
| Q1 2024 | 40.99% | 91.27% | $0 | $2.1M |
| Q2 2024 | 42.16% | 90.44% | $0 | $2.0M |
| Q3 2024 | 45.02% | 90.17% | $0 | $1.9M |
| Q4 2024 | 43.26% | 90.47% | $0 | $1.8M |
| Q1 2025 | 43.97% | 91.05% | $0 | $1.6M |
| Q2 2025 | 51.27% | 90.85% | $0 | $1.5M |
| Q3 2025 | 54.59% | 90.11% | $0 | $1.4M |
| Q4 2025 | 59.04% | 90.45% | $0 | $1.3M |
| Q1 2026 | 60.68% | 90.25% | $0 | $1.2M |
| Q2 2026 | 67.90% | 90.00% | $0 | $1.1M |
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 8234) · FFIEC NIC profile (RSSD 573335)