California Pacific 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.
Loans and leases to core deposits dropped 2.56 percentage points in Q2 2026, from 189.65% to 187.09%. It was the largest change from Q1 2026 among the key lines here. Among 114 California banks, California Pacific Bank sits 3rd from the top on loan-to-deposit ratio, 144.08% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, California Pacific Bank reported 144.08% on loan-to-deposit ratio in Q2 2026, 63.24 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.4M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 4.87% |
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 | 144.08% |
| Net loans and leases to deposits | 134.12% |
| Loans and leases to core deposits | 187.09% |
| Core deposits to total deposits | 77.01% |
| 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 | 148.43% | 78.09% | $0 | $0 |
| Q4 2023 | 145.06% | 68.22% | $0 | $0 |
| Q1 2024 | 138.03% | 64.50% | $0 | $0 |
| Q2 2024 | 126.32% | 67.51% | $0 | $0 |
| Q3 2024 | 143.42% | 69.74% | $0 | $0 |
| Q4 2024 | 153.85% | 72.64% | $0 | $0 |
| Q1 2025 | 167.30% | 74.42% | $0 | $0 |
| Q2 2025 | 133.37% | 75.91% | $0 | $0 |
| Q3 2025 | 133.28% | 74.41% | $0 | $0 |
| Q4 2025 | 141.66% | 72.85% | $0 | $0 |
| Q1 2026 | 142.08% | 74.92% | $0 | $0 |
| Q2 2026 | 144.08% | 77.01% | $0 | $0 |
California Pacific Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock California Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23242) · FFIEC NIC profile (RSSD 50461)