California International Bank, 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.
Fed funds sold and reverse repos climbed 153.1% in Q2 2026, from $1.6M to $4.1M. It was the largest change from Q1 2026 among the key lines here. California International Bank, N.A. ranks 85th of 114 California banks on loan-to-deposit ratio, in the lower half at 78.97% (Q2 2026). At 78.97%, California International Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.4M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 3.41% |
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 | 78.97% |
| Net loans and leases to deposits | 76.71% |
| Loans and leases to core deposits | 85.62% |
| Core deposits to total deposits | 79.08% |
| Brokered deposits to total deposits | 13.15% |
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 | 82.52% | 73.42% | $0 | $0 |
| Q4 2023 | 96.30% | 75.86% | $0 | $0 |
| Q1 2024 | 103.33% | 77.60% | $0 | $0 |
| Q2 2024 | 91.61% | 77.17% | $0 | $0 |
| Q3 2024 | 89.97% | 75.48% | $0 | $0 |
| Q4 2024 | 102.50% | 74.33% | $0 | $0 |
| Q1 2025 | 102.14% | 77.06% | $0 | $0 |
| Q2 2025 | 96.44% | 64.10% | $0 | $0 |
| Q3 2025 | 78.98% | 72.05% | $0 | $0 |
| Q4 2025 | 86.75% | 74.67% | $0 | $0 |
| Q1 2026 | 83.37% | 77.40% | $0 | $0 |
| Q2 2026 | 78.97% | 79.08% | $0 | $0 |
California International Bank, 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 International Bank, 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 International Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57974) · FFIEC NIC profile (RSSD 3394380)