Mega 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 Loans and leases to core deposits: 9.03 percentage points higher than in Q1 2026, at 151.76%. Within California, Mega Bank is 18th of 114 on loan-to-deposit ratio, 101.65% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mega Bank sits 21.09 points higher, at 101.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.2M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 0.57% |
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 | 101.65% |
| Net loans and leases to deposits | 100.33% |
| Loans and leases to core deposits | 151.76% |
| Core deposits to total deposits | 66.98% |
| 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 | 91.85% | 61.10% | $0 | $7.0M |
| Q4 2023 | 89.88% | 60.11% | $0 | $7.0M |
| Q1 2024 | 82.04% | 61.50% | $0 | $7.0M |
| Q2 2024 | 88.90% | 63.72% | $0 | $7.0M |
| Q3 2024 | 92.37% | 67.03% | $0 | $7.0M |
| Q4 2024 | 93.62% | 61.03% | $0 | $7.0M |
| Q1 2025 | 98.98% | 64.70% | $0 | $0 |
| Q2 2025 | 94.98% | 64.70% | $0 | $0 |
| Q3 2025 | 101.55% | 70.77% | $0 | $15.0M |
| Q4 2025 | 96.91% | 67.42% | $0 | $0 |
| Q1 2026 | 94.82% | 66.43% | $0 | $0 |
| Q2 2026 | 101.65% | 66.98% | $0 | $0 |
Mega Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mega 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 Mega Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58401) · FFIEC NIC profile (RSSD 3690635)