RNB State 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.
Net loans and leases to deposits climbed 2.78 percentage points in Q2 2026, from 54.79% to 57.57%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, RNB State Bank is 16th of 23 on loan-to-deposit ratio, 58.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. RNB State Bank sits 22.20 points lower, at 58.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.0M |
| Fed funds sold and reverse repos | $17.8M |
| Fed funds sold and reverse repos to assets | 6.00% |
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 | 58.36% |
| Net loans and leases to deposits | 57.57% |
| Loans and leases to core deposits | 64.15% |
| Core deposits to total deposits | 90.93% |
| Brokered deposits to total deposits | 0.04% |
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 | 68.61% | 95.03% | $0 | $7.0M |
| Q4 2023 | 61.91% | 94.49% | $0 | $0 |
| Q1 2024 | 61.13% | 93.63% | $0 | $0 |
| Q2 2024 | 61.04% | 92.84% | $0 | $0 |
| Q3 2024 | 63.87% | 92.78% | $0 | $0 |
| Q4 2024 | 60.10% | 93.06% | $0 | $0 |
| Q1 2025 | 57.95% | 93.47% | $0 | $0 |
| Q2 2025 | 57.67% | 93.45% | $0 | $0 |
| Q3 2025 | 56.72% | 93.58% | $0 | $0 |
| Q4 2025 | 56.03% | 90.90% | $0 | $0 |
| Q1 2026 | 55.61% | 89.95% | $0 | $0 |
| Q2 2026 | 58.36% | 90.93% | $0 | $0 |
RNB State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock RNB State 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 RNB State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2228) · FFIEC NIC profile (RSSD 548052)