Riverside Savings Bank, SSB: 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 Fed funds sold and reverse repos: 16.2% higher than in Q1 2026, at $1.8M. Within North Carolina, Riverside Savings Bank, SSB is 21st of 38 on loan-to-deposit ratio, 81.87% as of Q2 2026, below the middle of the field. Riverside Savings Bank, SSB reported 81.87% on loan-to-deposit ratio for Q2 2026, 14.24 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.1M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 1.89% |
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 | 5.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.87% |
| Net loans and leases to deposits | 81.31% |
| Loans and leases to core deposits | 91.04% |
| Core deposits to total deposits | 89.92% |
| Brokered deposits to total deposits | 3.45% |
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 | 73.30% | 86.73% | $0 | $5.0M |
| Q4 2023 | 72.87% | 86.30% | $0 | $5.0M |
| Q1 2024 | 71.57% | 86.98% | $0 | $5.0M |
| Q2 2024 | 73.59% | 86.74% | $0 | $5.0M |
| Q3 2024 | 77.25% | 86.91% | $0 | $5.0M |
| Q4 2024 | 76.47% | 86.46% | $0 | $5.0M |
| Q1 2025 | 75.65% | 86.97% | $0 | $5.0M |
| Q2 2025 | 77.50% | 86.74% | $0 | $5.0M |
| Q3 2025 | 81.02% | 89.46% | $0 | $6.5M |
| Q4 2025 | 82.36% | 89.24% | $0 | $6.3M |
| Q1 2026 | 81.82% | 88.98% | $0 | $5.0M |
| Q2 2026 | 81.87% | 89.92% | $0 | $5.0M |
Riverside Savings Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside Savings Bank, SSB, 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 Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28314) · FFIEC NIC profile (RSSD 247476)