Rivers Edge 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: 168.4% higher than in Q1 2026, at $12.7M. Rivers Edge Bank ranks 13th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 92.47% (Q2 2026). Rivers Edge Bank reported 92.47% on loan-to-deposit ratio for Q2 2026, 11.63 points above 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 | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.7M |
| 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 | $27.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.47% |
| Net loans and leases to deposits | 91.29% |
| Loans and leases to core deposits | 105.39% |
| Core deposits to total deposits | 84.92% |
| Brokered deposits to total deposits | 2.82% |
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 | 85.15% | 84.76% | $2.2M | $22.8M |
| Q4 2023 | 83.44% | 84.36% | $0 | $18.6M |
| Q1 2024 | 79.27% | 83.57% | $894K | $6.4M |
| Q2 2024 | 78.84% | 82.70% | $0 | $6.1M |
| Q3 2024 | 81.00% | 84.30% | $0 | $15.1M |
| Q4 2024 | 84.14% | 84.49% | $3.9M | $11.2M |
| Q1 2025 | 84.22% | 85.53% | $0 | $16.8M |
| Q2 2025 | 87.40% | 85.65% | $0 | $18.9M |
| Q3 2025 | 95.12% | 86.63% | $0 | $32.0M |
| Q4 2025 | 94.51% | 85.77% | $6.7M | $25.4M |
| Q1 2026 | 95.53% | 86.39% | $0 | $29.6M |
| Q2 2026 | 92.47% | 84.92% | $0 | $27.0M |
Rivers Edge Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rivers Edge 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 Rivers Edge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9935) · FFIEC NIC profile (RSSD 474450)