Bank of Marin: 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.
Cash and balances due from depository institutions climbed 18.2% in Q2 2026, from $236.6M to $279.6M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Marin is 10th from the bottom among 114 California banks, 61.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Marin sits 26.31 points lower, at 61.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $279.6M |
| Cash and noninterest-bearing balances to assets | 7.25% |
| Cash and securities | $1.52B |
| 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 | $625K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.89% |
| Net loans and leases to deposits | 61.23% |
| Loans and leases to core deposits | 63.30% |
| Core deposits to total deposits | 97.77% |
| 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 | 60.39% | 97.38% | $0 | $120.3M |
| Q4 2023 | 62.87% | 96.80% | $0 | $26.3M |
| Q1 2024 | 62.41% | 96.53% | $0 | $260K |
| Q2 2024 | 64.33% | 96.54% | $0 | $231K |
| Q3 2024 | 62.89% | 96.06% | $0 | $193K |
| Q4 2024 | 64.49% | 96.65% | $0 | $154K |
| Q1 2025 | 62.68% | 96.99% | $0 | $116K |
| Q2 2025 | 63.29% | 96.81% | $0 | $77K |
| Q3 2025 | 61.33% | 96.83% | $0 | $57K |
| Q4 2025 | 61.46% | 97.01% | $0 | $709K |
| Q1 2026 | 61.17% | 97.37% | $0 | $667K |
| Q2 2026 | 61.89% | 97.77% | $0 | $625K |
Bank of Marin liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Marin, 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 Marin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32779) · FFIEC NIC profile (RSSD 1436204)