Murphy 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.
Other borrowed money dropped 25.0% in Q2 2026, from $4.0M to $3.0M. It was the largest change from Q1 2026 among the key lines here. Within California, Murphy Bank is 15th of 114 on loan-to-deposit ratio, 102.55% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Murphy Bank sits 22.00 points higher, at 102.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.9M |
| Cash and noninterest-bearing balances to assets | 9.76% |
| Cash and securities | $34.9M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.55% |
| Net loans and leases to deposits | 101.29% |
| Loans and leases to core deposits | 141.06% |
| Core deposits to total deposits | 60.12% |
| Brokered deposits to total deposits | 12.58% |
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 | 103.96% | 64.61% | $0 | $16.5M |
| Q4 2023 | 104.86% | 62.92% | $0 | $15.5M |
| Q1 2024 | 102.57% | 60.98% | $0 | $13.0M |
| Q2 2024 | 103.12% | 61.94% | $0 | $10.0M |
| Q3 2024 | 102.20% | 61.78% | $0 | $10.0M |
| Q4 2024 | 103.88% | 61.93% | $0 | $10.0M |
| Q1 2025 | 105.01% | 62.89% | $0 | $10.0M |
| Q2 2025 | 103.51% | 62.34% | $0 | $7.0M |
| Q3 2025 | 103.47% | 61.23% | $0 | $7.0M |
| Q4 2025 | 100.68% | 59.92% | $0 | $4.0M |
| Q1 2026 | 100.94% | 61.30% | $0 | $4.0M |
| Q2 2026 | 102.55% | 60.12% | $0 | $3.0M |
Murphy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Murphy 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 Murphy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25726) · FFIEC NIC profile (RSSD 855563)