Open 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.
Loans and leases to core deposits dropped 1.07 percentage points in Q2 2026, from 141.57% to 140.50%. It was the largest change from Q1 2026 among the key lines here. Open Bank ranks 35th of 114 California banks on loan-to-deposit ratio, in the upper half at 96.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Open Bank sits 8.04 points higher, at 96.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $175.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $381.4M |
| 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 | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.24% |
| Net loans and leases to deposits | 95.06% |
| Loans and leases to core deposits | 140.50% |
| Core deposits to total deposits | 53.97% |
| Brokered deposits to total deposits | 14.53% |
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 | 96.31% | 62.39% | $0 | $95.0M |
| Q4 2023 | 97.70% | 60.79% | $0 | $105.0M |
| Q1 2024 | 96.03% | 57.71% | $0 | $105.0M |
| Q2 2024 | 96.68% | 56.93% | $0 | $115.0M |
| Q3 2024 | 93.85% | 57.33% | $0 | $75.0M |
| Q4 2024 | 96.68% | 55.19% | $0 | $95.0M |
| Q1 2025 | 93.49% | 56.44% | $0 | $75.0M |
| Q2 2025 | 92.67% | 58.36% | $0 | $50.0M |
| Q3 2025 | 94.82% | 55.74% | $0 | $75.0M |
| Q4 2025 | 96.65% | 53.63% | $0 | $75.0M |
| Q1 2026 | 96.38% | 54.33% | $0 | $75.0M |
| Q2 2026 | 96.24% | 53.97% | $0 | $75.0M |
Open Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Open 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 Open Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57944) · FFIEC NIC profile (RSSD 3357219)