Neighborhood 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 6.91 percentage points higher than in Q1 2026, at 100.16%. Neighborhood National Bank ranks 20th of 114 California banks on loan-to-deposit ratio, in the upper half at 101.34% (Q2 2026). Neighborhood National Bank reported 101.34% on loan-to-deposit ratio for Q2 2026, 20.50 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 | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.7M |
| Fed funds sold and reverse repos | $11.7M |
| Fed funds sold and reverse repos to assets | 5.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.34% |
| Net loans and leases to deposits | 100.16% |
| Loans and leases to core deposits | 104.63% |
| Core deposits to total deposits | 91.56% |
| Brokered deposits to total deposits | 5.29% |
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 | 94.01% | 99.26% | $4.0M | $2.2M |
| Q4 2023 | 96.05% | 93.03% | $0 | $8.8M |
| Q1 2024 | 98.38% | 92.84% | $0 | $14.0M |
| Q2 2024 | 97.02% | 94.95% | $0 | $7.5M |
| Q3 2024 | 91.69% | 95.00% | $0 | $10.5M |
| Q4 2024 | 92.71% | 90.07% | $0 | $10.5M |
| Q1 2025 | 92.25% | 90.26% | $0 | $9.5M |
| Q2 2025 | 91.54% | 91.14% | $0 | $9.5M |
| Q3 2025 | 90.41% | 90.95% | $0 | $9.5M |
| Q4 2025 | 88.98% | 91.02% | $0 | $13.5M |
| Q1 2026 | 94.49% | 86.06% | $0 | $13.5M |
| Q2 2026 | 101.34% | 91.56% | $0 | $20.5M |
Neighborhood National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34548) · FFIEC NIC profile (RSSD 2333140)