Evertrust 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 Fed funds sold and reverse repos: 40.0% higher than in Q1 2026, at $21.0M. Within California, Evertrust Bank is 34th of 114 on loan-to-deposit ratio, 96.28% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Evertrust Bank sits 8.08 points higher, at 96.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $158.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $245.9M |
| Fed funds sold and reverse repos | $21.0M |
| Fed funds sold and reverse repos to assets | 1.87% |
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 | 96.28% |
| Net loans and leases to deposits | 95.21% |
| Loans and leases to core deposits | 150.64% |
| Core deposits to total deposits | 63.92% |
| 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 | 93.06% | 66.40% | $0 | $0 |
| Q4 2023 | 103.18% | 65.25% | $0 | $0 |
| Q1 2024 | 96.23% | 63.50% | $0 | $0 |
| Q2 2024 | 102.74% | 61.06% | $0 | $0 |
| Q3 2024 | 105.90% | 58.02% | $0 | $0 |
| Q4 2024 | 97.47% | 59.26% | $0 | $0 |
| Q1 2025 | 102.97% | 60.13% | $0 | $0 |
| Q2 2025 | 108.28% | 61.41% | $0 | $0 |
| Q3 2025 | 99.99% | 58.47% | $0 | $0 |
| Q4 2025 | 100.86% | 60.11% | $0 | $0 |
| Q1 2026 | 98.14% | 63.56% | $0 | $0 |
| Q2 2026 | 96.28% | 63.92% | $0 | $0 |
Evertrust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Evertrust 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 Evertrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34010) · FFIEC NIC profile (RSSD 2297998)