Pacific Coast Bankers' 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 Loan-to-deposit ratio: 9.22 percentage points lower than in Q1 2026, at 81.75%. Within California, Pacific Coast Bankers' Bank is 79th of 114 on loan-to-deposit ratio, 81.75% as of Q2 2026, below the middle of the field. Pacific Coast Bankers' Bank reported 81.75% on loan-to-deposit ratio for Q2 2026, 6.45 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $396.6M |
| Cash and noninterest-bearing balances to assets | 32.63% |
| Cash and securities | $517.1M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.75% |
| Net loans and leases to deposits | 80.88% |
| Loans and leases to core deposits | 81.75% |
| Core deposits to total deposits | 100.00% |
| 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 | 66.07% | 99.94% | $0 | $0 |
| Q4 2023 | 84.89% | 99.92% | $0 | $0 |
| Q1 2024 | 74.47% | 99.94% | $0 | $0 |
| Q2 2024 | 75.53% | 99.94% | $0 | $0 |
| Q3 2024 | 105.68% | 99.92% | $0 | $40.0M |
| Q4 2024 | 76.41% | 99.92% | $0 | $40.0M |
| Q1 2025 | 96.44% | 100.00% | $70.0M | $40.0M |
| Q2 2025 | 99.09% | 100.00% | $247.0M | $40.0M |
| Q3 2025 | 86.59% | 100.00% | $100.0M | $40.0M |
| Q4 2025 | 94.18% | 100.00% | $100.0M | $40.0M |
| Q1 2026 | 90.97% | 100.00% | $0 | $40.0M |
| Q2 2026 | 81.75% | 100.00% | $0 | $40.0M |
Pacific Coast Bankers' Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Coast Bankers' 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 Coast Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34252) · FFIEC NIC profile (RSSD 2451240)