Beneficial State 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 Core deposits to total deposits: 2.06 percentage points lower than in Q1 2026, at 77.63%. Within California, Beneficial State Bank is 56th of 114 on loan-to-deposit ratio, 90.87% as of Q2 2026, above the middle of the field. Beneficial State Bank reported 90.87% on loan-to-deposit ratio for Q2 2026, 2.66 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 | $135.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $434.0M |
| Fed funds sold and reverse repos | $694K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $111.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.87% |
| Net loans and leases to deposits | 89.27% |
| Loans and leases to core deposits | 92.99% |
| Core deposits to total deposits | 77.63% |
| Brokered deposits to total deposits | 20.08% |
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 | 79.03% | 97.93% | $0 | $50.0M |
| Q4 2023 | 82.14% | 87.90% | $0 | $80.0M |
| Q1 2024 | 82.03% | 87.71% | $0 | $71.9M |
| Q2 2024 | 84.81% | 88.23% | $0 | $88.4M |
| Q3 2024 | 78.35% | 85.96% | $0 | $72.9M |
| Q4 2024 | 75.06% | 82.36% | $0 | $44.0M |
| Q1 2025 | 78.20% | 78.39% | $0 | $44.0M |
| Q2 2025 | 79.30% | 81.70% | $0 | $64.0M |
| Q3 2025 | 83.44% | 78.68% | $0 | $64.0M |
| Q4 2025 | 88.52% | 80.70% | $0 | $105.5M |
| Q1 2026 | 91.10% | 79.69% | $0 | $111.5M |
| Q2 2026 | 90.87% | 77.63% | $0 | $111.5M |
Beneficial State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Beneficial State 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 Beneficial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58490) · FFIEC NIC profile (RSSD 3608751)