Chino Commercial 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.
Cash and balances due from depository institutions climbed 456.1% in Q2 2026, from $11.5M to $63.8M. It was the largest change from Q1 2026 among the key lines here. Chino Commercial Bank, N.A. has the 9th lowest loan-to-deposit ratio of the 114 banks headquartered in California, at 60.23% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Chino Commercial Bank, N.A. sits 20.61 points lower, at 60.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $257.0M |
| 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 | $60.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.23% |
| Net loans and leases to deposits | 58.94% |
| Loans and leases to core deposits | 61.57% |
| Core deposits to total deposits | 96.57% |
| Brokered deposits to total deposits | 1.26% |
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 | 51.09% | 97.87% | $0 | $72.1M |
| Q4 2023 | 54.79% | 97.84% | $0 | $72.1M |
| Q1 2024 | 52.65% | 97.84% | $0 | $72.1M |
| Q2 2024 | 55.98% | 97.80% | $0 | $72.1M |
| Q3 2024 | 51.94% | 97.79% | $0 | $40.1M |
| Q4 2024 | 57.55% | 96.35% | $0 | $60.1M |
| Q1 2025 | 55.48% | 96.90% | $0 | $45.0M |
| Q2 2025 | 54.32% | 97.15% | $0 | $50.0M |
| Q3 2025 | 53.33% | 97.26% | $0 | $40.0M |
| Q4 2025 | 58.19% | 97.67% | $0 | $60.0M |
| Q1 2026 | 59.80% | 96.57% | $0 | $20.3M |
| Q2 2026 | 60.23% | 96.57% | $0 | $60.3M |
Chino Commercial 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 Chino Commercial 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 Chino Commercial Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35366) · FFIEC NIC profile (RSSD 2925620)