Bank of San Francisco: 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 Cash and balances due from depository institutions: 34.6% higher than in Q1 2026, at $124.0M. Within California, Bank of San Francisco is 49th of 114 on loan-to-deposit ratio, 93.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of San Francisco sits 13.10 points higher, at 93.94% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $124.0M |
| Cash and noninterest-bearing balances to assets | 14.36% |
| Cash and securities | $154.0M |
| 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 | $24.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.94% |
| Net loans and leases to deposits | 92.82% |
| Loans and leases to core deposits | 108.98% |
| Core deposits to total deposits | 86.10% |
| Brokered deposits to total deposits | 4.97% |
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 | 94.08% | 78.65% | $0 | $0 |
| Q4 2023 | 93.75% | 77.90% | $0 | $0 |
| Q1 2024 | 94.10% | 78.49% | $0 | $0 |
| Q2 2024 | 96.34% | 84.00% | $0 | $0 |
| Q3 2024 | 93.52% | 88.96% | $0 | $0 |
| Q4 2024 | 95.71% | 89.93% | $0 | $0 |
| Q1 2025 | 95.90% | 87.51% | $0 | $0 |
| Q2 2025 | 94.62% | 91.43% | $0 | $0 |
| Q3 2025 | 95.95% | 91.59% | $0 | $0 |
| Q4 2025 | 97.72% | 92.72% | $0 | $0 |
| Q1 2026 | 95.08% | 88.98% | $0 | $0 |
| Q2 2026 | 93.94% | 86.10% | $0 | $24.0M |
Bank of San Francisco liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of San Francisco, 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 San Francisco profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58069) · FFIEC NIC profile (RSSD 3357385)