First General 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 Loan-to-deposit ratio: 1.85 percentage points lower than in Q1 2026, at 112.71%. On loan-to-deposit ratio, First General Bank ranks 9th highest among the 114 banks headquartered in California, at 112.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First General Bank sits 24.50 points higher, at 112.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $193.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $200.8M |
| 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 | 112.71% |
| Net loans and leases to deposits | 111.14% |
| Loans and leases to core deposits | 191.85% |
| Core deposits to total deposits | 57.55% |
| Brokered deposits to total deposits | 1.19% |
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 | 108.62% | 55.64% | $0 | $25.0M |
| Q4 2023 | 107.37% | 56.86% | $0 | $38.0M |
| Q1 2024 | 104.30% | 56.38% | $0 | $0 |
| Q2 2024 | 101.09% | 57.27% | $0 | $0 |
| Q3 2024 | 99.23% | 57.67% | $0 | $0 |
| Q4 2024 | 100.18% | 58.87% | $0 | $0 |
| Q1 2025 | 106.77% | 58.50% | $0 | $0 |
| Q2 2025 | 112.84% | 57.02% | $0 | $0 |
| Q3 2025 | 110.89% | 57.82% | $0 | $0 |
| Q4 2025 | 114.23% | 58.95% | $0 | $0 |
| Q1 2026 | 114.55% | 58.57% | $0 | $0 |
| Q2 2026 | 112.71% | 57.55% | $0 | $0 |
First General Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First General 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 General Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58060) · FFIEC NIC profile (RSSD 3386264)