Liberty Bank N.A.: 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.
Cash and noninterest-bearing balances to assets climbed 2.93 percentage points in Q2 2026, from 10.60% to 13.52%. It was the largest change from Q1 2026 among the key lines here. Liberty Bank N.A. ranks 30th of 114 California banks on loan-to-deposit ratio, in the upper half at 97.95% (Q2 2026). Liberty Bank N.A. reported 97.95% on loan-to-deposit ratio for Q2 2026, 17.11 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.0M |
| Cash and noninterest-bearing balances to assets | 13.52% |
| Cash and securities | $61.0M |
| 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 | $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 | 97.95% |
| Net loans and leases to deposits | 96.78% |
| Loans and leases to core deposits | 99.97% |
| Core deposits to total deposits | 77.44% |
| Brokered deposits to total deposits | 20.54% |
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 | 97.45% | 72.74% | $0 | $0 |
| Q4 2023 | 104.01% | 72.13% | $0 | $30.0M |
| Q1 2024 | 96.72% | 70.13% | $0 | $0 |
| Q2 2024 | 96.17% | 69.09% | $0 | $0 |
| Q3 2024 | 102.92% | 67.04% | $0 | $0 |
| Q4 2024 | 103.22% | 60.55% | $0 | $0 |
| Q1 2025 | 102.15% | 64.92% | $0 | $0 |
| Q2 2025 | 115.09% | 65.29% | $0 | $40.0M |
| Q3 2025 | 108.60% | 64.81% | $0 | $15.0M |
| Q4 2025 | 91.84% | 65.06% | $0 | $0 |
| Q1 2026 | 100.26% | 75.21% | $0 | $0 |
| Q2 2026 | 97.95% | 77.44% | $0 | $0 |
Liberty Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank N.A., 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 Liberty Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35331) · FFIEC NIC profile (RSSD 2907439)