Mission National 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.
Fed funds sold and reverse repos climbed 156.7% in Q2 2026, from $1.6M to $4.2M. It was the largest change from Q1 2026 among the key lines here. Mission National Bank ranks 28th of 114 California banks on loan-to-deposit ratio, in the upper half at 99.09% (Q2 2026). Mission National Bank reported 99.09% on loan-to-deposit ratio for Q2 2026, 18.26 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 | $35.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.4M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 1.53% |
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 | 99.09% |
| Net loans and leases to deposits | 97.91% |
| Loans and leases to core deposits | 115.47% |
| Core deposits to total deposits | 50.94% |
| Brokered deposits to total deposits | 35.13% |
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 | 100.74% | 71.01% | $0 | $8.0M |
| Q4 2023 | 96.08% | 67.30% | $0 | $8.0M |
| Q1 2024 | 94.74% | 69.13% | $0 | $3.0M |
| Q2 2024 | 97.37% | 77.86% | $0 | $6.0M |
| Q3 2024 | 101.48% | 65.62% | $0 | $9.5M |
| Q4 2024 | 99.56% | 70.99% | $0 | $3.0M |
| Q1 2025 | 109.15% | 79.59% | $0 | $18.0M |
| Q2 2025 | 107.21% | 68.48% | $0 | $9.0M |
| Q3 2025 | 100.34% | 68.09% | $0 | $0 |
| Q4 2025 | 103.52% | 67.88% | $0 | $4.0M |
| Q1 2026 | 98.19% | 62.80% | $0 | $3.0M |
| Q2 2026 | 99.09% | 50.94% | $0 | $0 |
Mission National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23749) · FFIEC NIC profile (RSSD 519360)