Royal 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.
Cash and balances due from depository institutions dropped 24.4% in Q2 2026, from $40.0M to $30.3M. It was the largest change from Q1 2026 among the key lines here. Royal Bank ranks 114th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 77.98% (Q2 2026). Royal Bank reported 77.98% on loan-to-deposit ratio for Q2 2026, 2.86 points below 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 | $30.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $223.9M |
| Fed funds sold and reverse repos | $6.3M |
| Fed funds sold and reverse repos to assets | 0.78% |
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 | 77.98% |
| Net loans and leases to deposits | 76.81% |
| Loans and leases to core deposits | 85.00% |
| Core deposits to total deposits | 91.74% |
| 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 | 77.52% | 96.23% | $0 | $0 |
| Q4 2023 | 75.22% | 95.57% | $0 | $0 |
| Q1 2024 | 74.38% | 94.12% | $0 | $0 |
| Q2 2024 | 74.83% | 94.31% | $0 | $0 |
| Q3 2024 | 75.62% | 94.64% | $0 | $0 |
| Q4 2024 | 74.43% | 95.02% | $0 | $0 |
| Q1 2025 | 75.11% | 94.19% | $0 | $0 |
| Q2 2025 | 76.68% | 93.88% | $0 | $0 |
| Q3 2025 | 77.72% | 93.28% | $0 | $0 |
| Q4 2025 | 77.82% | 92.71% | $0 | $0 |
| Q1 2026 | 76.97% | 91.79% | $0 | $0 |
| Q2 2026 | 77.98% | 91.74% | $0 | $0 |
Royal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal 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 Royal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13454) · FFIEC NIC profile (RSSD 532042)