Fremont 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.
Loan-to-deposit ratio climbed 1.27 percentage points in Q2 2026, from 89.36% to 90.63%. It was the largest change from Q1 2026 among the key lines here. Fremont Bank ranks 58th of 114 California banks on loan-to-deposit ratio, in the lower half at 90.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Fremont Bank reported 90.63% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 10.78% |
| Cash and securities | $932.4M |
| 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 | $100.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.63% |
| Net loans and leases to deposits | 89.22% |
| Loans and leases to core deposits | 94.84% |
| Core deposits to total deposits | 95.57% |
| Brokered deposits to total deposits | 0.00% |
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 | 87.06% | 93.80% | $0 | $100.0M |
| Q4 2023 | 90.13% | 93.04% | $0 | $100.0M |
| Q1 2024 | 88.91% | 92.83% | $0 | $303.0M |
| Q2 2024 | 90.05% | 92.27% | $0 | $303.0M |
| Q3 2024 | 87.33% | 92.63% | $0 | $100.0M |
| Q4 2024 | 89.23% | 94.06% | $0 | $100.0M |
| Q1 2025 | 89.32% | 94.81% | $0 | $100.0M |
| Q2 2025 | 89.49% | 94.62% | $0 | $100.0M |
| Q3 2025 | 85.97% | 94.18% | $0 | $100.0M |
| Q4 2025 | 90.49% | 94.36% | $0 | $100.0M |
| Q1 2026 | 89.36% | 95.08% | $0 | $100.0M |
| Q2 2026 | 90.63% | 95.57% | $0 | $100.0M |
Fremont Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fremont 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 Fremont Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19222) · FFIEC NIC profile (RSSD 739560)