Monterey County 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 Other borrowed money to assets: 3.47 percentage points lower than in Q1 2026, at 10.44%. Within California, Monterey County Bank is 98th of 114 on loan-to-deposit ratio, 69.49% as of Q2 2026, below the middle of the field. Monterey County Bank reported 69.49% on loan-to-deposit ratio for Q2 2026, 11.34 points below 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 | $23.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.0M |
| 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 | $31.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.49% |
| Net loans and leases to deposits | 68.66% |
| Loans and leases to core deposits | 78.16% |
| Core deposits to total deposits | 88.91% |
| 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 | 36.44% | 93.56% | $0 | $21.0M |
| Q4 2023 | 40.43% | 93.13% | $0 | $21.0M |
| Q1 2024 | 40.38% | 93.82% | $0 | $21.0M |
| Q2 2024 | 41.56% | 92.73% | $0 | $21.0M |
| Q3 2024 | 41.60% | 93.04% | $0 | $21.0M |
| Q4 2024 | 49.69% | 91.66% | $0 | $21.5M |
| Q1 2025 | 53.45% | 91.61% | $0 | $21.4M |
| Q2 2025 | 57.63% | 90.58% | $0 | $21.4M |
| Q3 2025 | 60.68% | 89.09% | $0 | $21.3M |
| Q4 2025 | 72.55% | 88.12% | $0 | $38.5M |
| Q1 2026 | 68.73% | 88.45% | $0 | $41.4M |
| Q2 2026 | 69.49% | 88.91% | $0 | $31.4M |
Monterey County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Monterey County 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 Monterey County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22460) · FFIEC NIC profile (RSSD 297761)