Bank of the Sierra: 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 Other borrowed money: 36.4% lower than in Q1 2026, at $35.0M. Bank of the Sierra ranks 77th of 114 California banks on loan-to-deposit ratio, in the lower half at 83.67% (Q2 2026). Bank of the Sierra reported 83.67% on loan-to-deposit ratio for Q2 2026, 4.53 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 | $142.7M |
| Cash and noninterest-bearing balances to assets | 3.84% |
| Cash and securities | $1.04B |
| 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 | $242.4M |
| Other borrowed money | $35.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.67% |
| Net loans and leases to deposits | 82.87% |
| Loans and leases to core deposits | 91.03% |
| Core deposits to total deposits | 81.11% |
| Brokered deposits to total deposits | 10.81% |
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 | 72.84% | 84.70% | $229.9M | $182.0M |
| Q4 2023 | 75.42% | 84.71% | $237.1M | $230.5M |
| Q1 2024 | 75.12% | 80.29% | $121.9M | $80.0M |
| Q2 2024 | 75.55% | 78.31% | $148.0M | $80.0M |
| Q3 2024 | 78.22% | 80.03% | $125.5M | $80.0M |
| Q4 2024 | 80.26% | 81.16% | $108.9M | $80.0M |
| Q1 2025 | 80.84% | 83.94% | $118.8M | $80.0M |
| Q2 2025 | 81.61% | 81.38% | $166.5M | $114.4M |
| Q3 2025 | 84.72% | 83.81% | $150.7M | $110.0M |
| Q4 2025 | 88.33% | 80.78% | $340.9M | $92.7M |
| Q1 2026 | 84.11% | 81.18% | $257.8M | $55.0M |
| Q2 2026 | 83.67% | 81.11% | $242.4M | $35.0M |
Bank of the Sierra 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 Sierra, 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 Sierra profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22597) · FFIEC NIC profile (RSSD 662369)