Bank Irvine: 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: 13.00 percentage points higher than in Q1 2026, at 179.20%. Within California, Bank Irvine is 19th of 114 on loan-to-deposit ratio, 101.62% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bank Irvine sits 21.07 points higher, at 101.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $66.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.4M |
| 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 | 101.62% |
| Net loans and leases to deposits | 100.42% |
| Loans and leases to core deposits | 179.20% |
| Core deposits to total deposits | 56.71% |
| 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 | 64.18% | 68.00% | $0 | $0 |
| Q4 2023 | 76.72% | 59.23% | $0 | $0 |
| Q1 2024 | 96.80% | 44.12% | $0 | $0 |
| Q2 2024 | 92.22% | 46.39% | $0 | $0 |
| Q3 2024 | 94.20% | 39.90% | $0 | $0 |
| Q4 2024 | 95.74% | 43.66% | $0 | $0 |
| Q1 2025 | 108.85% | 48.03% | $0 | $0 |
| Q2 2025 | 114.88% | 63.81% | $0 | $0 |
| Q3 2025 | 107.84% | 52.68% | $0 | $0 |
| Q4 2025 | 101.14% | 52.44% | $0 | $0 |
| Q1 2026 | 91.41% | 55.00% | $0 | $0 |
| Q2 2026 | 101.62% | 56.71% | $0 | $0 |
Bank Irvine liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Irvine, 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 Bank Irvine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59296) · FFIEC NIC profile (RSSD 5788705)