Three Rivers Bank of Montana: 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 42.7% in Q2 2026, from $19.2M to $11.0M. It was the largest change from Q1 2026 among the key lines here. Three Rivers Bank of Montana ranks 6th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 96.01% (Q2 2026). Three Rivers Bank of Montana reported 96.01% on loan-to-deposit ratio for Q2 2026, 15.17 points above 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 | $11.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 96.01% |
| Net loans and leases to deposits | 95.02% |
| Loans and leases to core deposits | 101.77% |
| Core deposits to total deposits | 94.34% |
| 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 | 79.86% | 94.97% | $0 | $0 |
| Q4 2023 | 84.72% | 91.72% | $0 | $15.0M |
| Q1 2024 | 85.25% | 90.95% | $0 | $5.3M |
| Q2 2024 | 93.76% | 92.99% | $0 | $27.6M |
| Q3 2024 | 93.25% | 92.98% | $0 | $11.7M |
| Q4 2024 | 93.42% | 91.64% | $0 | $10.6M |
| Q1 2025 | 95.92% | 90.81% | $0 | $11.9M |
| Q2 2025 | 99.75% | 90.75% | $0 | $17.7M |
| Q3 2025 | 91.85% | 92.05% | $0 | $0 |
| Q4 2025 | 93.16% | 92.76% | $0 | $0 |
| Q1 2026 | 92.33% | 94.10% | $0 | $0 |
| Q2 2026 | 96.01% | 94.34% | $0 | $0 |
Three Rivers Bank of Montana liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Three Rivers Bank of Montana, 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 Three Rivers Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21557) · FFIEC NIC profile (RSSD 610557)