Beach Cities Commercial Bank: 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: 3.17 percentage points higher than in Q1 2026, at 113.39%. Among 114 California banks, Beach Cities Commercial Bank sits 11th from the top on loan-to-deposit ratio, 110.00% as of Q2 2026. Beach Cities Commercial Bank reported 110.00% on loan-to-deposit ratio for Q2 2026, 29.16 points above 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 | $31.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.3M |
| 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 | $29.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.00% |
| Net loans and leases to deposits | 108.97% |
| Loans and leases to core deposits | 113.39% |
| Core deposits to total deposits | 87.67% |
| Brokered deposits to total deposits | 9.34% |
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 | 49.82% | 96.95% | $0 | $0 |
| Q4 2023 | 85.39% | 98.04% | $0 | $0 |
| Q1 2024 | 97.44% | 98.14% | $0 | $0 |
| Q2 2024 | 103.00% | 98.33% | $0 | $0 |
| Q3 2024 | 103.01% | 98.31% | $0 | $2.3M |
| Q4 2024 | 93.58% | 92.21% | $0 | $0 |
| Q1 2025 | 93.51% | 92.17% | $0 | $4.0M |
| Q2 2025 | 98.72% | 91.46% | $0 | $12.0M |
| Q3 2025 | 97.01% | 91.19% | $0 | $7.0M |
| Q4 2025 | 100.38% | 90.87% | $0 | $16.0M |
| Q1 2026 | 107.35% | 89.48% | $0 | $25.0M |
| Q2 2026 | 110.00% | 87.67% | $0 | $29.0M |
Beach Cities Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Beach Cities Commercial Bank, 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 Beach Cities Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59290) · FFIEC NIC profile (RSSD 5805424)