Commercewest 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.
Cash and noninterest-bearing balances to assets dropped 5.89 percentage points in Q2 2026, from 20.67% to 14.78%. It was the largest change from Q1 2026 among the key lines here. Commercewest Bank ranks 92nd of 114 California banks on loan-to-deposit ratio, in the lower half at 73.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commercewest Bank sits 14.36 points lower, at 73.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $176.8M |
| Cash and noninterest-bearing balances to assets | 14.78% |
| Cash and securities | $393.1M |
| 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 | $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 | 73.84% |
| Net loans and leases to deposits | 72.87% |
| Loans and leases to core deposits | 77.83% |
| Core deposits to total deposits | 94.88% |
| 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 | 79.01% | 89.42% | $0 | $0 |
| Q4 2023 | 62.21% | 91.36% | $0 | $0 |
| Q1 2024 | 74.50% | 87.22% | $0 | $0 |
| Q2 2024 | 72.33% | 88.01% | $0 | $0 |
| Q3 2024 | 72.78% | 89.67% | $0 | $0 |
| Q4 2024 | 58.76% | 92.75% | $0 | $0 |
| Q1 2025 | 79.69% | 90.27% | $0 | $0 |
| Q2 2025 | 78.47% | 90.65% | $0 | $0 |
| Q3 2025 | 82.73% | 91.03% | $0 | $0 |
| Q4 2025 | 59.68% | 94.82% | $0 | $0 |
| Q1 2026 | 71.05% | 93.86% | $0 | $0 |
| Q2 2026 | 73.84% | 94.88% | $0 | $0 |
Commercewest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercewest 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 Commercewest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57176) · FFIEC NIC profile (RSSD 3052813)