City National 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.
The standout move of Q2 2026 was in Other borrowed money: 23.6% lower than in Q1 2026, at $3.46B. City National Bank ranks 73rd of 114 California banks on loan-to-deposit ratio, in the lower half at 84.83% (Q2 2026). At 84.83%, City National Bank's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 5.97% |
| Cash and securities | $26.16B |
| 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 | $3.46B |
| Subordinated notes and debentures | $400.0M |
| Other borrowed money to assets | 3.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.83% |
| Net loans and leases to deposits | 83.99% |
| Loans and leases to core deposits | 89.10% |
| Core deposits to total deposits | 79.56% |
| Brokered deposits to total deposits | 15.65% |
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 | 84.93% | 84.93% | $0 | $5.45B |
| Q4 2023 | 84.95% | 84.48% | $0 | $4.22B |
| Q1 2024 | 82.49% | 83.47% | $0 | $1.69B |
| Q2 2024 | 83.21% | 82.84% | $0 | $1.70B |
| Q3 2024 | 81.73% | 81.32% | $0 | $1.24B |
| Q4 2024 | 82.15% | 81.97% | $0 | $1.30B |
| Q1 2025 | 83.44% | 83.17% | $0 | $2.34B |
| Q2 2025 | 83.63% | 83.30% | $0 | $1.83B |
| Q3 2025 | 82.77% | 82.92% | $0 | $1.35B |
| Q4 2025 | 87.70% | 84.65% | $0 | $4.92B |
| Q1 2026 | 85.74% | 79.61% | $0 | $4.53B |
| Q2 2026 | 84.83% | 79.56% | $0 | $3.46B |
City National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City National 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17281) · FFIEC NIC profile (RSSD 63069)