Commonwealth Business 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 Loans and leases to core deposits: 9.38 percentage points higher than in Q1 2026, at 132.76%. Within California, Commonwealth Business Bank is 55th of 114 on loan-to-deposit ratio, 91.56% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commonwealth Business Bank sits 3.36 points higher, at 91.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $347.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $411.0M |
| Fed funds sold and reverse repos | $434K |
| Fed funds sold and reverse repos to assets | 0.02% |
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 | 91.56% |
| Net loans and leases to deposits | 90.52% |
| Loans and leases to core deposits | 132.76% |
| Core deposits to total deposits | 67.17% |
| Brokered deposits to total deposits | 1.80% |
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 | 91.67% | 66.51% | $0 | $50.0M |
| Q4 2023 | 97.82% | 65.67% | $0 | $50.0M |
| Q1 2024 | 102.31% | 66.64% | $0 | $50.0M |
| Q2 2024 | 107.17% | 67.63% | $0 | $50.0M |
| Q3 2024 | 98.09% | 66.58% | $0 | $50.0M |
| Q4 2024 | 97.07% | 67.14% | $0 | $50.0M |
| Q1 2025 | 98.15% | 65.05% | $0 | $50.0M |
| Q2 2025 | 95.85% | 65.53% | $0 | $0 |
| Q3 2025 | 86.85% | 65.70% | $0 | $0 |
| Q4 2025 | 85.66% | 66.95% | $0 | $0 |
| Q1 2026 | 86.96% | 67.22% | $0 | $0 |
| Q2 2026 | 91.56% | 67.17% | $0 | $0 |
Commonwealth Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Business 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 Commonwealth Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57873) · FFIEC NIC profile (RSSD 3337097)