Bank of America California, N.A.: 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 Core deposits to total deposits: 0.89 percentage points lower than in Q1 2026, at 77.47%. Within California, Bank of America California, N.A. is 88th of 114 on loan-to-deposit ratio, 76.69% 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. Bank of America California, N.A. sits 10.14 points lower, at 76.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 35.87% |
| Cash and securities | $5.31B |
| 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 | $500.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.69% |
| Net loans and leases to deposits | 76.58% |
| Loans and leases to core deposits | 79.94% |
| Core deposits to total deposits | 77.47% |
| Brokered deposits to total deposits | 18.46% |
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 | 159.01% | 100.00% | $0 | $5.25B |
| Q4 2023 | 101.30% | 67.26% | $0 | $1.55B |
| Q1 2024 | 105.62% | 65.17% | $0 | $1.45B |
| Q2 2024 | 95.87% | 67.59% | $0 | $1.45B |
| Q3 2024 | 82.86% | 64.40% | $0 | $1.15B |
| Q4 2024 | 84.13% | 75.82% | $0 | $1.15B |
| Q1 2025 | 79.52% | 72.85% | $0 | $900.0M |
| Q2 2025 | 85.46% | 72.31% | $0 | $450.0M |
| Q3 2025 | 79.10% | 73.44% | $0 | $450.0M |
| Q4 2025 | 74.37% | 76.60% | $0 | $450.0M |
| Q1 2026 | 77.10% | 78.37% | $0 | $500.0M |
| Q2 2026 | 76.69% | 77.47% | $0 | $500.0M |
Bank of America California, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of America California, N.A., 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 of America California, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25178) · FFIEC NIC profile (RSSD 1443266)