Hatch 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.
Net loans and leases to deposits climbed 59.54 percentage points in Q2 2026, from 206.61% to 266.15%. It was the largest change from Q1 2026 among the key lines here. Hatch Bank has the highest loan-to-deposit ratio of the 114 banks headquartered in California, 266.44% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Hatch Bank reported 266.44% on loan-to-deposit ratio in Q2 2026, 185.89 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.6M |
| 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 | $89.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 50.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 266.44% |
| Net loans and leases to deposits | 266.15% |
| Loans and leases to core deposits | 266.44% |
| Core deposits to total deposits | 0.09% |
| Brokered deposits to total deposits | 99.91% |
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 | 132.10% | 0.40% | $0 | $37.0M |
| Q4 2023 | 149.51% | 0.40% | $0 | $50.0M |
| Q1 2024 | 139.29% | 0.33% | $0 | $45.0M |
| Q2 2024 | 168.05% | 0.58% | $0 | $46.0M |
| Q3 2024 | 200.56% | 0.86% | $0 | $49.0M |
| Q4 2024 | 216.09% | 0.47% | $0 | $49.0M |
| Q1 2025 | 210.57% | 0.47% | $0 | $54.0M |
| Q2 2025 | 239.62% | 0.35% | $0 | $61.5M |
| Q3 2025 | 186.50% | 0.17% | $0 | $60.0M |
| Q4 2025 | 212.44% | 0.17% | $0 | $75.0M |
| Q1 2026 | 210.69% | 0.19% | $0 | $80.0M |
| Q2 2026 | 266.44% | 0.09% | $0 | $89.0M |
Hatch Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hatch 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 Hatch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25803) · FFIEC NIC profile (RSSD 733661)