Golden State 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 Core deposits to total deposits: 2.01 percentage points higher than in Q1 2026, at 73.72%. Within California, Golden State Bank is 23rd of 114 on loan-to-deposit ratio, 100.18% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Golden State Bank sits 11.97 points higher, at 100.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $131.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $132.3M |
| 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 | $25.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.18% |
| Net loans and leases to deposits | 98.86% |
| Loans and leases to core deposits | 129.95% |
| Core deposits to total deposits | 73.72% |
| Brokered deposits to total deposits | 3.95% |
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 | 91.54% | 69.04% | $0 | $26.7M |
| Q4 2023 | 90.58% | 68.93% | $0 | $26.7M |
| Q1 2024 | 94.41% | 72.08% | $0 | $25.4M |
| Q2 2024 | 96.05% | 65.85% | $0 | $20.4M |
| Q3 2024 | 98.02% | 63.00% | $0 | $30.4M |
| Q4 2024 | 98.94% | 64.27% | $0 | $30.4M |
| Q1 2025 | 100.25% | 62.74% | $0 | $38.4M |
| Q2 2025 | 99.54% | 64.41% | $0 | $35.4M |
| Q3 2025 | 99.28% | 68.52% | $0 | $30.4M |
| Q4 2025 | 101.20% | 71.62% | $0 | $30.3M |
| Q1 2026 | 99.43% | 71.71% | $0 | $30.3M |
| Q2 2026 | 100.18% | 73.72% | $0 | $25.3M |
Golden State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden State 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 Golden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57585) · FFIEC NIC profile (RSSD 3224375)