C3bank, 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 10.70 percentage points higher than in Q1 2026, at 21.79%. C3bank, N.A. ranks 96th of 114 California banks on loan-to-deposit ratio, in the lower half at 71.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. C3bank, N.A. sits 8.85 points lower, at 71.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $331.3M |
| 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 | $8.9M |
| 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 | 71.98% |
| Net loans and leases to deposits | 70.99% |
| Loans and leases to core deposits | 76.39% |
| Core deposits to total deposits | 72.43% |
| Brokered deposits to total deposits | 21.79% |
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 | 79.93% | 66.81% | $0 | $44.0M |
| Q4 2023 | 75.86% | 63.54% | $0 | $44.0M |
| Q1 2024 | 77.21% | 65.40% | $0 | $44.0M |
| Q2 2024 | 90.69% | 69.36% | $0 | $4.0M |
| Q3 2024 | 82.94% | 68.63% | $0 | $4.0M |
| Q4 2024 | 66.37% | 71.96% | $0 | $4.0M |
| Q1 2025 | 66.63% | 73.62% | $0 | $4.0M |
| Q2 2025 | 67.70% | 72.66% | $0 | $6.0M |
| Q3 2025 | 70.79% | 76.92% | $0 | $8.0M |
| Q4 2025 | 68.58% | 76.94% | $0 | $8.0M |
| Q1 2026 | 78.53% | 83.06% | $0 | $8.5M |
| Q2 2026 | 71.98% | 72.43% | $0 | $8.9M |
C3bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock C3bank, 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 C3bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25249) · FFIEC NIC profile (RSSD 754068)