Riverside 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 14.01 percentage points in Q2 2026, from 108.95% to 122.97%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Riverside Bank ranks 2nd highest among the 78 banks headquartered in Arkansas, at 110.48% (Q2 2026). Riverside Bank's loan-to-deposit ratio of 110.48% is well above the 67.32% median for banks in the < $100M asset tier, a gap of 43.15 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.4M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 2.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.48% |
| Net loans and leases to deposits | 110.15% |
| Loans and leases to core deposits | 122.97% |
| Core deposits to total deposits | 89.84% |
| 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 | 101.16% | 78.08% | $0 | $3.0M |
| Q4 2023 | 104.80% | 78.25% | $0 | $4.0M |
| Q1 2024 | 102.20% | 78.22% | $0 | $3.0M |
| Q2 2024 | 104.82% | 77.57% | $0 | $4.0M |
| Q3 2024 | 104.57% | 81.89% | $0 | $3.0M |
| Q4 2024 | 96.36% | 82.07% | $0 | $3.0M |
| Q1 2025 | 85.75% | 89.45% | $0 | $3.0M |
| Q2 2025 | 86.36% | 88.52% | $0 | $1.0M |
| Q3 2025 | 94.31% | 90.68% | $0 | $1.0M |
| Q4 2025 | 92.38% | 90.62% | $0 | $0 |
| Q1 2026 | 98.32% | 90.24% | $0 | $0 |
| Q2 2026 | 110.48% | 89.84% | $0 | $5.0M |
Riverside Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside 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 Riverside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 93) · FFIEC NIC profile (RSSD 977045)