Five Star 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.
Core deposits to total deposits climbed 3.63 percentage points in Q2 2026, from 90.61% to 94.24%. It was the largest change from Q1 2026 among the key lines here. Within California, Five Star Bank is 48th of 114 on loan-to-deposit ratio, 93.97% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Five Star Bank sits 5.77 points higher, at 93.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $685.1M |
| Cash and noninterest-bearing balances to assets | 12.74% |
| Cash and securities | $777.8M |
| 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 | 93.97% |
| Net loans and leases to deposits | 92.98% |
| Loans and leases to core deposits | 99.72% |
| Core deposits to total deposits | 94.24% |
| Brokered deposits to total deposits | 3.26% |
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 | 99.26% | 86.67% | $0 | $90.0M |
| Q4 2023 | 101.88% | 85.36% | $0 | $170.0M |
| Q1 2024 | 105.05% | 91.10% | $0 | $120.0M |
| Q2 2024 | 103.57% | 90.21% | $0 | $0 |
| Q3 2024 | 101.60% | 86.33% | $0 | $0 |
| Q4 2024 | 99.13% | 81.95% | $0 | $0 |
| Q1 2025 | 96.75% | 79.28% | $0 | $0 |
| Q2 2025 | 96.27% | 80.95% | $0 | $0 |
| Q3 2025 | 94.53% | 85.52% | $0 | $0 |
| Q4 2025 | 96.80% | 87.53% | $0 | $0 |
| Q1 2026 | 94.04% | 90.61% | $0 | $0 |
| Q2 2026 | 93.97% | 94.24% | $0 | $0 |
Five Star Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Star 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 Five Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35361) · FFIEC NIC profile (RSSD 2867337)