California Business 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.
Fed funds sold and reverse repos climbed 245.3% in Q2 2026, from $4.6M to $15.9M. It was the largest change from Q1 2026 among the key lines here. Within California, California Business Bank is 68th of 114 on loan-to-deposit ratio, 87.02% as of Q2 2026, below the middle of the field. California Business Bank reported 87.02% on loan-to-deposit ratio for Q2 2026, 6.18 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 | $26.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.4M |
| Fed funds sold and reverse repos | $15.9M |
| Fed funds sold and reverse repos to assets | 12.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.02% |
| Net loans and leases to deposits | 85.66% |
| Loans and leases to core deposits | 89.19% |
| Core deposits to total deposits | 97.57% |
| 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 | 85.82% | 97.66% | $0 | $0 |
| Q4 2023 | 93.83% | 98.51% | $0 | $0 |
| Q1 2024 | 100.01% | 98.45% | $0 | $0 |
| Q2 2024 | 94.16% | 96.55% | $0 | $0 |
| Q3 2024 | 88.80% | 95.92% | $0 | $0 |
| Q4 2024 | 103.64% | 96.95% | $0 | $3.0M |
| Q1 2025 | 97.41% | 95.77% | $0 | $3.0M |
| Q2 2025 | 96.11% | 95.00% | $0 | $3.0M |
| Q3 2025 | 80.63% | 97.64% | $0 | $3.0M |
| Q4 2025 | 90.51% | 94.15% | $0 | $3.0M |
| Q1 2026 | 95.32% | 95.49% | $0 | $3.0M |
| Q2 2026 | 87.02% | 97.57% | $0 | $3.0M |
California Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock California Business 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 California Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58037) · FFIEC NIC profile (RSSD 3390337)