Pacific Crest 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 Loans and leases to core deposits: 4.17 percentage points higher than in Q1 2026, at 119.67%. Pacific Crest Bank ranks 5th of 29 Washington banks on loan-to-deposit ratio, in the upper half at 101.24% (Q2 2026). Pacific Crest Bank reported 101.24% on loan-to-deposit ratio for Q2 2026, 20.69 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.0M |
| 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 | $43.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.24% |
| Net loans and leases to deposits | 99.67% |
| Loans and leases to core deposits | 119.67% |
| Core deposits to total deposits | 74.44% |
| Brokered deposits to total deposits | 10.16% |
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 | 93.39% | 72.58% | $0 | $30.0M |
| Q4 2023 | 90.63% | 72.78% | $0 | $30.0M |
| Q1 2024 | 86.03% | 72.24% | $0 | $30.0M |
| Q2 2024 | 90.98% | 72.77% | $0 | $30.0M |
| Q3 2024 | 91.96% | 73.05% | $0 | $37.0M |
| Q4 2024 | 94.02% | 72.83% | $0 | $34.0M |
| Q1 2025 | 91.95% | 71.76% | $0 | $37.0M |
| Q2 2025 | 95.90% | 72.28% | $0 | $40.0M |
| Q3 2025 | 95.06% | 74.30% | $0 | $46.0M |
| Q4 2025 | 93.48% | 74.27% | $0 | $46.0M |
| Q1 2026 | 98.04% | 74.79% | $0 | $43.0M |
| Q2 2026 | 101.24% | 74.44% | $0 | $43.0M |
Pacific Crest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Crest 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 Crest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34585) · FFIEC NIC profile (RSSD 2643595)