Avidbank: 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.
Core deposits to total deposits dropped 3.13 percentage points in Q2 2026, from 76.99% to 73.85%. It was the largest change from Q1 2026 among the key lines here. Within California, Avidbank is 37th of 114 on loan-to-deposit ratio, 95.67% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Avidbank sits 7.47 points higher, at 95.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $159.9M |
| Cash and noninterest-bearing balances to assets | 6.03% |
| Cash and securities | $392.1M |
| 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 | 95.67% |
| Net loans and leases to deposits | 94.75% |
| Loans and leases to core deposits | 96.90% |
| Core deposits to total deposits | 73.85% |
| Brokered deposits to total deposits | 24.88% |
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 | 97.67% | 74.27% | $41.0M | $259.0M |
| Q4 2023 | 105.18% | 73.09% | $136.0M | $224.0M |
| Q1 2024 | 101.43% | 70.90% | $46.0M | $244.0M |
| Q2 2024 | 103.84% | 67.48% | $86.0M | $244.0M |
| Q3 2024 | 93.91% | 68.06% | $90.0M | $70.0M |
| Q4 2024 | 98.59% | 68.72% | $115.0M | $70.0M |
| Q1 2025 | 95.35% | 70.33% | $70.0M | $85.0M |
| Q2 2025 | 95.42% | 72.13% | $120.0M | $25.0M |
| Q3 2025 | 95.29% | 72.87% | $0 | $0 |
| Q4 2025 | 98.03% | 77.31% | $60.0M | $0 |
| Q1 2026 | 98.64% | 76.99% | $55.0M | $0 |
| Q2 2026 | 95.67% | 73.85% | $0 | $0 |
Avidbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidbank, 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 Avidbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57510) · FFIEC NIC profile (RSSD 3214059)