First Pacific 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 Other borrowed money: 46.7% higher than in Q1 2026, at $44.0M. First Pacific Bank ranks 75th of 114 California banks on loan-to-deposit ratio, in the lower half at 84.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Pacific Bank sits 3.06 points higher, at 84.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $146.9M |
| Fed funds sold and reverse repos | $44.1M |
| Fed funds sold and reverse repos to assets | 8.57% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $44.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.00% |
| Net loans and leases to deposits | 83.23% |
| Loans and leases to core deposits | 88.43% |
| Core deposits to total deposits | 87.83% |
| Brokered deposits to total deposits | 7.15% |
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 | 82.27% | 93.98% | $0 | $50.0M |
| Q4 2023 | 82.40% | 87.23% | $0 | $45.0M |
| Q1 2024 | 78.47% | 88.56% | $0 | $50.0M |
| Q2 2024 | 76.23% | 88.55% | $0 | $35.0M |
| Q3 2024 | 78.25% | 87.70% | $0 | $50.0M |
| Q4 2024 | 78.96% | 88.41% | $0 | $40.0M |
| Q1 2025 | 75.37% | 89.76% | $0 | $23.0M |
| Q2 2025 | 82.47% | 93.57% | $0 | $55.0M |
| Q3 2025 | 82.02% | 89.83% | $0 | $50.0M |
| Q4 2025 | 78.74% | 91.35% | $0 | $33.0M |
| Q1 2026 | 80.78% | 89.19% | $0 | $30.0M |
| Q2 2026 | 84.00% | 87.83% | $0 | $44.0M |
First Pacific Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58218) · FFIEC NIC profile (RSSD 3470930)