Malaga Bank, FSB: 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: 0.97 percentage points lower than in Q1 2026, at 69.88%. Among 114 California banks, Malaga Bank, FSB sits 4th from the top on loan-to-deposit ratio, 131.84% as of Q2 2026. Malaga Bank, FSB reported 131.84% on loan-to-deposit ratio for Q2 2026, 43.64 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $178.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $178.5M |
| Fed funds sold and reverse repos | $38K |
| 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 | $255.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 131.84% |
| Net loans and leases to deposits | 131.44% |
| Loans and leases to core deposits | 150.73% |
| Core deposits to total deposits | 69.88% |
| Brokered deposits to total deposits | 17.59% |
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 | 127.79% | 75.70% | $0 | $330.0M |
| Q4 2023 | 136.13% | 73.49% | $0 | $320.0M |
| Q1 2024 | 137.21% | 72.97% | $0 | $310.0M |
| Q2 2024 | 134.68% | 72.94% | $0 | $280.0M |
| Q3 2024 | 135.51% | 72.55% | $0 | $260.0M |
| Q4 2024 | 133.04% | 67.99% | $0 | $245.0M |
| Q1 2025 | 130.21% | 68.84% | $0 | $200.0M |
| Q2 2025 | 130.34% | 70.91% | $0 | $225.0M |
| Q3 2025 | 129.16% | 70.79% | $0 | $240.0M |
| Q4 2025 | 132.18% | 69.98% | $0 | $250.0M |
| Q1 2026 | 131.29% | 70.85% | $0 | $250.0M |
| Q2 2026 | 131.84% | 69.88% | $0 | $255.0M |
Malaga Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Malaga Bank, FSB, 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 Malaga Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32282) · FFIEC NIC profile (RSSD 773470)