Altos 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 6.26 percentage points higher than in Q1 2026, at 17.16%. Altos Bank ranks 87th of 114 California banks on loan-to-deposit ratio, in the lower half at 77.28% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Altos Bank sits 9.66 points higher, at 77.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.2M |
| Fed funds sold and reverse repos | $301K |
| Fed funds sold and reverse repos to assets | 0.44% |
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 | 77.28% |
| Net loans and leases to deposits | 76.29% |
| Loans and leases to core deposits | 84.84% |
| Core deposits to total deposits | 73.93% |
| Brokered deposits to total deposits | 17.16% |
Liquidity and Borrowings trend
Last 7 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 |
|---|---|---|---|---|
| Q4 2024 | 0.00% | 100.00% | $0 | $0 |
| Q1 2025 | 0.00% | 100.00% | $0 | $0 |
| Q2 2025 | 42.54% | 73.36% | $0 | $0 |
| Q3 2025 | 51.50% | 71.61% | $0 | $0 |
| Q4 2025 | 51.42% | 80.54% | $0 | $0 |
| Q1 2026 | 80.70% | 79.59% | $0 | $0 |
| Q2 2026 | 77.28% | 73.93% | $0 | $0 |
Altos Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Altos 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 Altos Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59339) · FFIEC NIC profile (RSSD 5861541)