Mission 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.
Cash and balances due from depository institutions climbed 35.7% in Q2 2026, from $146.3M to $198.5M. It was the largest change from Q1 2026 among the key lines here. Within California, Mission Bank is 70th of 114 on loan-to-deposit ratio, 86.57% as of Q2 2026, below the middle of the field. At 86.57%, Mission Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $198.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $430.9M |
| 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 | 86.57% |
| Net loans and leases to deposits | 85.39% |
| Loans and leases to core deposits | 88.25% |
| Core deposits to total deposits | 93.28% |
| Brokered deposits to total deposits | 4.82% |
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 | 82.24% | 97.49% | $0 | $20.0M |
| Q4 2023 | 84.18% | 96.07% | $0 | $20.0M |
| Q1 2024 | 86.70% | 94.61% | $0 | $20.0M |
| Q2 2024 | 82.88% | 94.38% | $0 | $0 |
| Q3 2024 | 77.33% | 91.68% | $0 | $0 |
| Q4 2024 | 78.18% | 90.64% | $0 | $0 |
| Q1 2025 | 78.50% | 89.47% | $0 | $0 |
| Q2 2025 | 83.14% | 88.41% | $0 | $0 |
| Q3 2025 | 81.82% | 92.12% | $0 | $0 |
| Q4 2025 | 88.10% | 93.84% | $0 | $0 |
| Q1 2026 | 88.32% | 93.23% | $0 | $0 |
| Q2 2026 | 86.57% | 93.28% | $0 | $0 |
Mission Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission 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 Mission Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34805) · FFIEC NIC profile (RSSD 2736714)