Asian Pacific National 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.
Loans and leases to core deposits climbed 9.57 percentage points in Q2 2026, from 78.08% to 87.65%. It was the largest change from Q1 2026 among the key lines here. Within California, Asian Pacific National Bank is 86th of 114 on loan-to-deposit ratio, 77.62% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Asian Pacific National Bank sits 10.00 points higher, at 77.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.0M |
| Fed funds sold and reverse repos | $335K |
| Fed funds sold and reverse repos to assets | 0.59% |
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 | 77.62% |
| Net loans and leases to deposits | 76.33% |
| Loans and leases to core deposits | 87.65% |
| Core deposits to total deposits | 88.56% |
| 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 | 51.60% | 93.35% | $0 | $0 |
| Q4 2023 | 54.41% | 86.97% | $0 | $1.0M |
| Q1 2024 | 57.92% | 88.54% | $0 | $0 |
| Q2 2024 | 63.71% | 90.10% | $0 | $0 |
| Q3 2024 | 65.76% | 87.48% | $0 | $450K |
| Q4 2024 | 64.32% | 87.12% | $0 | $450K |
| Q1 2025 | 64.88% | 85.53% | $0 | $450K |
| Q2 2025 | 63.36% | 86.24% | $0 | $450K |
| Q3 2025 | 68.10% | 81.02% | $0 | $0 |
| Q4 2025 | 67.34% | 83.99% | $0 | $0 |
| Q1 2026 | 69.09% | 88.49% | $0 | $0 |
| Q2 2026 | 77.62% | 88.56% | $0 | $0 |
Asian Pacific National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Asian Pacific National 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 Asian Pacific National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33013) · FFIEC NIC profile (RSSD 1462986)