First Credit 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.
Brokered deposits to total deposits climbed 2.96 percentage points in Q2 2026, from 36.26% to 39.22%. It was the largest change from Q1 2026 among the key lines here. Among 114 California banks, First Credit Bank sits 2nd from the top on loan-to-deposit ratio, 154.15% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, First Credit Bank reported 154.15% on loan-to-deposit ratio in Q2 2026, 73.60 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.9M |
| 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 | 154.15% |
| Net loans and leases to deposits | 150.35% |
| Loans and leases to core deposits | 214.73% |
| Core deposits to total deposits | 32.57% |
| Brokered deposits to total deposits | 39.22% |
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 | 142.10% | 30.53% | $0 | $0 |
| Q4 2023 | 136.46% | 29.35% | $0 | $0 |
| Q1 2024 | 142.01% | 27.70% | $0 | $0 |
| Q2 2024 | 140.50% | 31.60% | $0 | $0 |
| Q3 2024 | 132.71% | 37.26% | $0 | $0 |
| Q4 2024 | 137.79% | 44.89% | $0 | $0 |
| Q1 2025 | 141.85% | 40.81% | $0 | $0 |
| Q2 2025 | 152.09% | 40.73% | $0 | $0 |
| Q3 2025 | 146.14% | 41.43% | $0 | $0 |
| Q4 2025 | 149.90% | 44.44% | $0 | $0 |
| Q1 2026 | 152.56% | 34.08% | $0 | $0 |
| Q2 2026 | 154.15% | 32.57% | $0 | $0 |
First Credit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Credit 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 First Credit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24332) · FFIEC NIC profile (RSSD 5069)