Icon Business 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 Fed funds purchased and repos: 83.3% lower than in Q1 2026, at $2.0M. Within California, Icon Business Bank is 43rd of 114 on loan-to-deposit ratio, 95.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Icon Business Bank sits 14.18 points higher, at 95.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.2M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 1.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.0M |
| 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 | 95.01% |
| Net loans and leases to deposits | 93.89% |
| Loans and leases to core deposits | 96.02% |
| Core deposits to total deposits | 98.26% |
| Brokered deposits to total deposits | 0.70% |
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 | 28.28% | 100.00% | $0 | $0 |
| Q4 2023 | 129.65% | 100.00% | $0 | $0 |
| Q1 2024 | 122.57% | 97.57% | $0 | $0 |
| Q2 2024 | 97.43% | 97.84% | $0 | $0 |
| Q3 2024 | 84.08% | 98.25% | $0 | $0 |
| Q4 2024 | 86.81% | 88.18% | $0 | $0 |
| Q1 2025 | 74.66% | 92.32% | $0 | $0 |
| Q2 2025 | 78.12% | 93.88% | $0 | $0 |
| Q3 2025 | 76.75% | 94.06% | $0 | $0 |
| Q4 2025 | 94.29% | 95.42% | $0 | $4.8M |
| Q1 2026 | 101.69% | 94.42% | $12.0M | $0 |
| Q2 2026 | 95.01% | 98.26% | $2.0M | $0 |
Icon Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Icon Business 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 Icon Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59314) · FFIEC NIC profile (RSSD 5805228)