Bank of Whittier, N.A.: 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.
Loan-to-deposit ratio climbed 3.43 percentage points in Q2 2026, from 65.81% to 69.24%. It was the largest change from Q1 2026 among the key lines here. Within California, Bank of Whittier, N.A. is 99th of 114 on loan-to-deposit ratio, 69.24% as of Q2 2026, below 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 Whittier, N.A. sits 11.60 points lower, at 69.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.4M |
| 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 | 69.24% |
| Net loans and leases to deposits | 67.27% |
| Loans and leases to core deposits | 97.37% |
| Core deposits to total deposits | 71.12% |
| 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 | 49.94% | 63.55% | $0 | $0 |
| Q4 2023 | 49.49% | 63.74% | $0 | $0 |
| Q1 2024 | 48.92% | 63.39% | $0 | $0 |
| Q2 2024 | 52.69% | 66.92% | $0 | $0 |
| Q3 2024 | 53.53% | 67.41% | $0 | $0 |
| Q4 2024 | 54.81% | 66.50% | $0 | $0 |
| Q1 2025 | 57.25% | 66.06% | $0 | $0 |
| Q2 2025 | 58.48% | 66.71% | $0 | $0 |
| Q3 2025 | 59.84% | 69.14% | $0 | $0 |
| Q4 2025 | 59.94% | 69.95% | $0 | $0 |
| Q1 2026 | 65.81% | 68.72% | $0 | $0 |
| Q2 2026 | 69.24% | 71.12% | $0 | $0 |
Bank of Whittier, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Whittier, N.A., 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 Whittier, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24211) · FFIEC NIC profile (RSSD 209362)