Community Bank of Santa Maria: 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: 37.5% lower than in Q1 2026, at $5.0M. Within California, Community Bank of Santa Maria is 74th of 114 on loan-to-deposit ratio, 84.32% as of Q2 2026, below the middle of the field. Community Bank of Santa Maria reported 84.32% on loan-to-deposit ratio for Q2 2026, 3.48 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.8M |
| Fed funds sold and reverse repos | $28K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.32% |
| Net loans and leases to deposits | 83.48% |
| Loans and leases to core deposits | 89.03% |
| Core deposits to total deposits | 94.71% |
| 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 | 63.81% | 98.74% | $0 | $0 |
| Q4 2023 | 66.98% | 98.64% | $0 | $0 |
| Q1 2024 | 70.44% | 98.25% | $0 | $7.0M |
| Q2 2024 | 72.55% | 97.13% | $0 | $11.0M |
| Q3 2024 | 71.03% | 96.10% | $0 | $0 |
| Q4 2024 | 69.80% | 95.81% | $0 | $0 |
| Q1 2025 | 72.69% | 95.65% | $0 | $0 |
| Q2 2025 | 77.83% | 95.44% | $0 | $10.0M |
| Q3 2025 | 78.39% | 95.00% | $0 | $2.0M |
| Q4 2025 | 74.93% | 94.98% | $0 | $0 |
| Q1 2026 | 83.19% | 94.70% | $0 | $8.0M |
| Q2 2026 | 84.32% | 94.71% | $0 | $5.0M |
Community Bank of Santa Maria liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Santa Maria, 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 Community Bank of Santa Maria profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57073) · FFIEC NIC profile (RSSD 2997216)