Pacific Alliance 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 Core deposits to total deposits: 1.29 percentage points lower than in Q1 2026, at 73.81%. Within California, Pacific Alliance Bank is 45th of 114 on loan-to-deposit ratio, 94.26% as of Q2 2026, above the middle of the field. Pacific Alliance Bank reported 94.26% on loan-to-deposit ratio for Q2 2026, 13.43 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 | $69.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.5M |
| Fed funds sold and reverse repos | $10.7M |
| Fed funds sold and reverse repos to assets | 2.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.26% |
| Net loans and leases to deposits | 92.97% |
| Loans and leases to core deposits | 118.88% |
| Core deposits to total deposits | 73.81% |
| Brokered deposits to total deposits | 5.49% |
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 | 95.57% | 49.32% | $0 | $25.0M |
| Q4 2023 | 98.64% | 46.61% | $0 | $35.0M |
| Q1 2024 | 97.64% | 56.02% | $0 | $25.0M |
| Q2 2024 | 100.15% | 59.91% | $0 | $25.0M |
| Q3 2024 | 95.26% | 61.24% | $0 | $25.0M |
| Q4 2024 | 92.04% | 64.37% | $0 | $25.0M |
| Q1 2025 | 91.68% | 70.29% | $0 | $22.0M |
| Q2 2025 | 99.70% | 70.47% | $0 | $17.0M |
| Q3 2025 | 91.01% | 71.55% | $0 | $17.0M |
| Q4 2025 | 95.76% | 73.03% | $0 | $17.0M |
| Q1 2026 | 95.27% | 75.10% | $0 | $17.0M |
| Q2 2026 | 94.26% | 73.81% | $0 | $17.0M |
Pacific Alliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Alliance 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 Pacific Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58234) · FFIEC NIC profile (RSSD 3546862)