First Commercial Bank (U.S.A): 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.
Loans and leases to core deposits climbed 10.99 percentage points in Q2 2026, from 163.43% to 174.42%. It was the largest change from Q1 2026 among the key lines here. Among 114 California banks, First Commercial Bank (U.S.A) sits 8th from the top on loan-to-deposit ratio, 113.20% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Commercial Bank (U.S.A) sits 32.36 points higher, at 113.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.5M |
| 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 | $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 | 113.20% |
| Net loans and leases to deposits | 111.54% |
| Loans and leases to core deposits | 174.42% |
| Core deposits to total deposits | 57.24% |
| Brokered deposits to total deposits | 7.66% |
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 | 120.05% | 57.73% | $53.0M | $32.0M |
| Q4 2023 | 116.43% | 57.18% | $0 | $62.0M |
| Q1 2024 | 118.29% | 56.12% | $20.0M | $30.0M |
| Q2 2024 | 119.33% | 55.41% | $10.0M | $50.0M |
| Q3 2024 | 114.82% | 56.18% | $0 | $55.0M |
| Q4 2024 | 107.74% | 57.71% | $0 | $36.0M |
| Q1 2025 | 109.45% | 56.86% | $0 | $0 |
| Q2 2025 | 110.83% | 57.43% | $0 | $0 |
| Q3 2025 | 115.35% | 58.79% | $0 | $0 |
| Q4 2025 | 112.19% | 57.68% | $0 | $0 |
| Q1 2026 | 108.42% | 57.67% | $0 | $0 |
| Q2 2026 | 113.20% | 57.24% | $0 | $0 |
First Commercial Bank (U.S.A) liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commercial Bank (U.S.A), 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 First Commercial Bank (U.S.A) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34496) · FFIEC NIC profile (RSSD 2332910)