FFB 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: 10.4% higher than in Q1 2026, at $47.5M. Within California, FFB Bank is 59th of 114 on loan-to-deposit ratio, 90.55% as of Q2 2026, below the middle of the field. At 90.55%, FFB Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $308.4M |
| 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 | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.55% |
| Net loans and leases to deposits | 89.28% |
| Loans and leases to core deposits | 99.90% |
| Core deposits to total deposits | 79.34% |
| Brokered deposits to total deposits | 11.30% |
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 | 78.79% | 93.91% | $0 | $0 |
| Q4 2023 | 80.61% | 94.51% | $0 | $34.0M |
| Q1 2024 | 76.73% | 84.62% | $0 | $0 |
| Q2 2024 | 82.54% | 88.43% | $0 | $68.0M |
| Q3 2024 | 77.08% | 88.22% | $0 | $0 |
| Q4 2024 | 82.98% | 90.06% | $0 | $0 |
| Q1 2025 | 82.35% | 88.05% | $0 | $10.0M |
| Q2 2025 | 87.73% | 89.42% | $0 | $16.0M |
| Q3 2025 | 90.67% | 82.46% | $0 | $7.0M |
| Q4 2025 | 88.71% | 79.68% | $0 | $0 |
| Q1 2026 | 91.02% | 79.99% | $0 | $25.0M |
| Q2 2026 | 90.55% | 79.34% | $0 | $25.0M |
FFB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FFB 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 FFB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58090) · FFIEC NIC profile (RSSD 3398623)