Home Bank of California: 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.
Compared with Q1 2026, Loans and leases to core deposits fell 0.68 percentage points in Q2 2026 to 173.64%, the biggest move on this page. Among 114 California banks, Home Bank of California sits 5th from the top on loan-to-deposit ratio, 122.43% as of Q2 2026. Home Bank of California's loan-to-deposit ratio of 122.43% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.59 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.4M |
| 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 | $30.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.43% |
| Net loans and leases to deposits | 121.22% |
| Loans and leases to core deposits | 173.64% |
| Core deposits to total deposits | 70.51% |
| 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 | 118.48% | 77.89% | $0 | $23.6M |
| Q4 2023 | 116.53% | 78.23% | $0 | $19.2M |
| Q1 2024 | 117.63% | 76.42% | $0 | $22.2M |
| Q2 2024 | 116.90% | 75.82% | $0 | $24.0M |
| Q3 2024 | 110.68% | 75.19% | $0 | $14.5M |
| Q4 2024 | 117.64% | 74.15% | $0 | $20.5M |
| Q1 2025 | 113.36% | 73.42% | $0 | $18.5M |
| Q2 2025 | 110.83% | 71.94% | $0 | $13.5M |
| Q3 2025 | 119.07% | 71.14% | $0 | $24.5M |
| Q4 2025 | 116.52% | 70.58% | $0 | $19.0M |
| Q1 2026 | 121.93% | 69.94% | $0 | $30.9M |
| Q2 2026 | 122.43% | 70.51% | $0 | $30.9M |
Home Bank of California liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank of California, 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 Home Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26271) · FFIEC NIC profile (RSSD 118660)