Metropolitan 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.
Loans and leases to core deposits climbed 4.54 percentage points in Q2 2026, from 112.50% to 117.03%. It was the largest change from Q1 2026 among the key lines here. Metropolitan Bank ranks 33rd of 114 California banks on loan-to-deposit ratio, in the upper half at 96.74% (Q2 2026). Metropolitan Bank reported 96.74% on loan-to-deposit ratio for Q2 2026, 15.90 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 | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.0M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 1.74% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.74% |
| Net loans and leases to deposits | 95.11% |
| Loans and leases to core deposits | 117.03% |
| Core deposits to total deposits | 82.66% |
| 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 | 99.76% | 85.37% | $0 | $9.0M |
| Q4 2023 | 100.55% | 84.64% | $0 | $9.0M |
| Q1 2024 | 101.74% | 85.28% | $0 | $12.0M |
| Q2 2024 | 104.84% | 86.32% | $0 | $12.0M |
| Q3 2024 | 98.84% | 87.53% | $0 | $10.0M |
| Q4 2024 | 100.30% | 88.00% | $0 | $10.0M |
| Q1 2025 | 98.52% | 85.73% | $0 | $10.0M |
| Q2 2025 | 92.36% | 84.39% | $0 | $7.0M |
| Q3 2025 | 95.04% | 84.13% | $0 | $5.0M |
| Q4 2025 | 94.94% | 82.97% | $0 | $5.0M |
| Q1 2026 | 93.66% | 83.26% | $0 | $2.0M |
| Q2 2026 | 96.74% | 82.66% | $0 | $2.0M |
Metropolitan Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Metropolitan 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 Metropolitan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25869) · FFIEC NIC profile (RSSD 534466)