Bank of the Orient: 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 Brokered deposits to total deposits: 4.57 percentage points lower than in Q1 2026, at 2.38%. Within California, Bank of the Orient is 46th of 114 on loan-to-deposit ratio, 94.26% as of Q2 2026, above the middle of the field. Bank of the Orient reported 94.26% on loan-to-deposit ratio for Q2 2026, 6.06 points above 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 | $160.6M |
| Cash and noninterest-bearing balances to assets | 13.22% |
| Cash and securities | $192.5M |
| 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 | 94.26% |
| Net loans and leases to deposits | 92.96% |
| Loans and leases to core deposits | 118.85% |
| Core deposits to total deposits | 76.93% |
| Brokered deposits to total deposits | 2.38% |
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 | 96.77% | 83.84% | $0 | $20.1M |
| Q4 2023 | 97.37% | 82.98% | $0 | $20.1M |
| Q1 2024 | 97.38% | 81.76% | $0 | $0 |
| Q2 2024 | 96.98% | 79.59% | $0 | $0 |
| Q3 2024 | 96.63% | 78.99% | $0 | $0 |
| Q4 2024 | 98.59% | 79.32% | $0 | $0 |
| Q1 2025 | 97.64% | 78.85% | $0 | $0 |
| Q2 2025 | 96.28% | 78.96% | $0 | $0 |
| Q3 2025 | 97.92% | 78.80% | $0 | $0 |
| Q4 2025 | 99.96% | 75.16% | $0 | $8.0M |
| Q1 2026 | 97.45% | 73.66% | $0 | $0 |
| Q2 2026 | 94.26% | 76.93% | $0 | $0 |
Bank of the Orient liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Orient, 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 the Orient profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20387) · FFIEC NIC profile (RSSD 777366)