Bank of the West: 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 Loans and leases to core deposits: 2.26 percentage points lower than in Q1 2026, at 72.77%. Within Texas, Bank of the West is 205th of 346 on loan-to-deposit ratio, 67.39% as of Q2 2026, below the middle of the field. Bank of the West reported 67.39% on loan-to-deposit ratio for Q2 2026, 13.45 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $217.0M |
| Cash and noninterest-bearing balances to assets | 26.15% |
| Cash and securities | $297.9M |
| 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 | 67.39% |
| Net loans and leases to deposits | 66.65% |
| Loans and leases to core deposits | 72.77% |
| Core deposits to total deposits | 92.60% |
| 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 | 64.32% | 94.80% | $0 | $0 |
| Q4 2023 | 62.04% | 94.28% | $0 | $0 |
| Q1 2024 | 58.68% | 92.77% | $0 | $0 |
| Q2 2024 | 65.43% | 91.83% | $0 | $0 |
| Q3 2024 | 64.60% | 92.81% | $0 | $0 |
| Q4 2024 | 66.44% | 93.53% | $0 | $0 |
| Q1 2025 | 69.06% | 93.78% | $0 | $0 |
| Q2 2025 | 74.81% | 93.43% | $0 | $0 |
| Q3 2025 | 70.79% | 93.41% | $0 | $0 |
| Q4 2025 | 68.05% | 91.86% | $0 | $0 |
| Q1 2026 | 69.09% | 92.09% | $0 | $0 |
| Q2 2026 | 67.39% | 92.60% | $0 | $0 |
Bank of the West 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 West, 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 West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26627) · FFIEC NIC profile (RSSD 859552)