Exchange 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 Cash and balances due from depository institutions: 32.6% lower than in Q1 2026, at $119.6M. On loan-to-deposit ratio, Exchange Bank is 11th from the bottom among 114 California banks, 63.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Exchange Bank sits 24.42 points lower, at 63.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $119.6M |
| Cash and noninterest-bearing balances to assets | 3.75% |
| Cash and securities | $1.25B |
| 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 | $46.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.79% |
| Net loans and leases to deposits | 62.68% |
| Loans and leases to core deposits | 68.00% |
| Core deposits to total deposits | 93.80% |
| 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 | 54.53% | 95.82% | $0 | $181.9M |
| Q4 2023 | 56.18% | 95.44% | $0 | $232.7M |
| Q1 2024 | 56.89% | 94.95% | $0 | $231.2M |
| Q2 2024 | 57.63% | 94.74% | $0 | $231.2M |
| Q3 2024 | 56.88% | 94.06% | $0 | $252.3M |
| Q4 2024 | 57.14% | 93.76% | $0 | $147.2M |
| Q1 2025 | 55.82% | 93.65% | $0 | $46.0M |
| Q2 2025 | 56.94% | 93.72% | $0 | $46.4M |
| Q3 2025 | 59.11% | 93.62% | $0 | $46.5M |
| Q4 2025 | 60.21% | 93.81% | $0 | $46.6M |
| Q1 2026 | 61.43% | 93.66% | $0 | $45.0M |
| Q2 2026 | 63.79% | 93.80% | $0 | $46.3M |
Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8468) · FFIEC NIC profile (RSSD 507068)