California Bank of Commerce, 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 Loan-to-deposit ratio: 4.42 percentage points higher than in Q1 2026, at 92.49%. California Bank of Commerce, N.A. ranks 53rd of 114 California banks on loan-to-deposit ratio, in the upper half at 92.49% (Q2 2026). California Bank of Commerce, N.A. reported 92.49% on loan-to-deposit ratio for Q2 2026, 4.29 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 | $264.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $625.6M |
| Fed funds sold and reverse repos | $107.4M |
| Fed funds sold and reverse repos to assets | 2.67% |
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 | 92.49% |
| Net loans and leases to deposits | 91.45% |
| Loans and leases to core deposits | 93.98% |
| Core deposits to total deposits | 97.69% |
| Brokered deposits to total deposits | 0.72% |
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 | 97.48% | 91.25% | $0 | $8.0M |
| Q4 2023 | 100.91% | 88.17% | $0 | $85.0M |
| Q1 2024 | 97.49% | 87.61% | $0 | $27.0M |
| Q2 2024 | 97.21% | 87.87% | $0 | $25.0M |
| Q3 2024 | 86.33% | 87.41% | $0 | $0 |
| Q4 2024 | 92.76% | 92.03% | $0 | $0 |
| Q1 2025 | 91.87% | 94.51% | $0 | $0 |
| Q2 2025 | 90.09% | 95.66% | $0 | $0 |
| Q3 2025 | 86.09% | 96.10% | $0 | $0 |
| Q4 2025 | 90.23% | 96.32% | $0 | $0 |
| Q1 2026 | 88.08% | 97.28% | $0 | $0 |
| Q2 2026 | 92.49% | 97.69% | $0 | $0 |
California Bank of Commerce, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock California Bank of Commerce, 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 California Bank of Commerce, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57044) · FFIEC NIC profile (RSSD 3076453)