Riverwind 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.
Core deposits to total deposits climbed 1.99 percentage points in Q2 2026, from 89.53% to 91.52%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Riverwind Bank is 62nd of 78 on loan-to-deposit ratio, 72.22% as of Q2 2026. Riverwind Bank reported 72.22% on loan-to-deposit ratio for Q2 2026, 8.34 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.5M |
| Fed funds sold and reverse repos | $12.3M |
| Fed funds sold and reverse repos to assets | 7.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.22% |
| Net loans and leases to deposits | 71.32% |
| Loans and leases to core deposits | 78.91% |
| Core deposits to total deposits | 91.52% |
| 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 | 68.29% | 91.01% | $0 | $0 |
| Q4 2023 | 70.20% | 90.35% | $0 | $0 |
| Q1 2024 | 68.10% | 88.04% | $0 | $6.0M |
| Q2 2024 | 67.94% | 87.70% | $0 | $3.0M |
| Q3 2024 | 73.17% | 87.73% | $0 | $3.0M |
| Q4 2024 | 72.10% | 84.39% | $0 | $5.0M |
| Q1 2025 | 72.49% | 84.87% | $0 | $0 |
| Q2 2025 | 74.23% | 84.05% | $0 | $0 |
| Q3 2025 | 67.86% | 86.41% | $0 | $0 |
| Q4 2025 | 67.62% | 90.03% | $0 | $0 |
| Q1 2026 | 70.65% | 89.53% | $0 | $0 |
| Q2 2026 | 72.22% | 91.52% | $0 | $0 |
Riverwind Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverwind 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 Riverwind Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15035) · FFIEC NIC profile (RSSD 855143)