American Riviera 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 Loans and leases to core deposits: 6.52 percentage points higher than in Q1 2026, at 98.37%. American Riviera Bank ranks 50th of 114 California banks on loan-to-deposit ratio, in the upper half at 93.11% (Q2 2026). American Riviera Bank reported 93.11% on loan-to-deposit ratio for Q2 2026, 4.91 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $233.6M |
| 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 | $43.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.11% |
| Net loans and leases to deposits | 92.00% |
| Loans and leases to core deposits | 98.37% |
| Core deposits to total deposits | 94.65% |
| 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 | 84.67% | 96.89% | $0 | $35.0M |
| Q4 2023 | 89.33% | 96.54% | $0 | $75.0M |
| Q1 2024 | 89.80% | 92.26% | $0 | $85.0M |
| Q2 2024 | 89.58% | 90.27% | $0 | $60.0M |
| Q3 2024 | 85.61% | 90.85% | $0 | $10.0M |
| Q4 2024 | 88.33% | 93.41% | $0 | $15.0M |
| Q1 2025 | 87.12% | 93.30% | $0 | $0 |
| Q2 2025 | 89.67% | 92.99% | $0 | $12.0M |
| Q3 2025 | 81.73% | 93.41% | $0 | $0 |
| Q4 2025 | 89.12% | 94.13% | $0 | $0 |
| Q1 2026 | 86.70% | 94.39% | $0 | $0 |
| Q2 2026 | 93.11% | 94.65% | $0 | $43.0M |
American Riviera Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Riviera 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 American Riviera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58281) · FFIEC NIC profile (RSSD 3388482)