Banc of California: 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 Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Within California, Banc of California is 65th of 114 on loan-to-deposit ratio, 89.04% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Banc of California reported 89.04% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.80B |
| Cash and noninterest-bearing balances to assets | 8.03% |
| Cash and securities | $7.29B |
| 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 | $2.46B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.04% |
| Net loans and leases to deposits | 88.18% |
| Loans and leases to core deposits | 91.92% |
| Core deposits to total deposits | 71.27% |
| Brokered deposits to total deposits | 25.59% |
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 | 82.55% | 45.08% | $0 | $6.34B |
| Q4 2023 | 83.75% | 52.92% | $0 | $2.79B |
| Q1 2024 | 87.74% | 55.00% | $0 | $2.02B |
| Q2 2024 | 86.80% | 53.89% | $0 | $1.32B |
| Q3 2024 | 87.19% | 75.17% | $0 | $1.47B |
| Q4 2024 | 86.95% | 74.73% | $0 | $1.27B |
| Q1 2025 | 87.77% | 74.76% | $0 | $1.50B |
| Q2 2025 | 89.30% | 74.07% | $100.0M | $1.82B |
| Q3 2025 | 88.96% | 74.61% | $190.0M | $1.82B |
| Q4 2025 | 90.06% | 72.38% | $240.0M | $1.82B |
| Q1 2026 | 91.25% | 73.26% | $440.0M | $2.11B |
| Q2 2026 | 89.04% | 71.27% | $0 | $2.46B |
Banc of California liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banc of California, 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 Banc of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24045) · FFIEC NIC profile (RSSD 494261)