Bank of Stockton: 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: 29.9% higher than in Q1 2026, at $290.4M. Bank of Stockton has the 12th lowest loan-to-deposit ratio of the 114 banks headquartered in California, at 65.33% as of Q2 2026. Bank of Stockton reported 65.33% on loan-to-deposit ratio for Q2 2026, 22.87 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $290.4M |
| Cash and noninterest-bearing balances to assets | 5.82% |
| Cash and securities | $2.32B |
| 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 | $273K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.33% |
| Net loans and leases to deposits | 63.24% |
| Loans and leases to core deposits | 69.61% |
| Core deposits to total deposits | 93.86% |
| 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 | 59.94% | 94.75% | $0 | $76.7M |
| Q4 2023 | 60.22% | 94.23% | $0 | $76.6M |
| Q1 2024 | 60.93% | 94.44% | $0 | $76.5M |
| Q2 2024 | 64.89% | 94.23% | $0 | $1.3M |
| Q3 2024 | 67.54% | 93.98% | $0 | $1.2M |
| Q4 2024 | 66.66% | 93.74% | $0 | $1.1M |
| Q1 2025 | 65.78% | 93.34% | $0 | $945K |
| Q2 2025 | 64.87% | 93.28% | $0 | $812K |
| Q3 2025 | 64.79% | 93.32% | $0 | $678K |
| Q4 2025 | 66.08% | 93.37% | $0 | $544K |
| Q1 2026 | 65.41% | 93.57% | $0 | $409K |
| Q2 2026 | 65.33% | 93.86% | $0 | $273K |
Bank of Stockton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Stockton, 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 Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1536) · FFIEC NIC profile (RSSD 479268)