Partners Bank of California: 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.
Other borrowed money to assets dropped 6.76 percentage points in Q2 2026, from 10.25% to 3.49%. It was the largest change from Q1 2026 among the key lines here. Partners Bank of California ranks 27th of 114 California banks on loan-to-deposit ratio, in the upper half at 99.38% (Q2 2026). Partners Bank of California reported 99.38% on loan-to-deposit ratio for Q2 2026, 18.43 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $91.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $95.2M |
| 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 | $21.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.38% |
| Net loans and leases to deposits | 97.33% |
| Loans and leases to core deposits | 101.64% |
| Core deposits to total deposits | 83.70% |
| Brokered deposits to total deposits | 14.07% |
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 | 101.09% | 90.24% | $0 | $25.0M |
| Q4 2023 | 97.83% | 90.71% | $0 | $30.0M |
| Q1 2024 | 100.37% | 84.19% | $0 | $32.0M |
| Q2 2024 | 97.90% | 84.39% | $0 | $23.0M |
| Q3 2024 | 97.11% | 86.79% | $0 | $10.0M |
| Q4 2024 | 71.09% | 91.25% | $0 | $45.0M |
| Q1 2025 | 69.77% | 89.26% | $0 | $25.0M |
| Q2 2025 | 72.52% | 88.27% | $0 | $28.0M |
| Q3 2025 | 59.81% | 90.89% | $0 | $5.0M |
| Q4 2025 | 76.84% | 90.28% | $0 | $28.0M |
| Q1 2026 | 100.00% | 83.90% | $0 | $63.0M |
| Q2 2026 | 99.38% | 83.70% | $0 | $21.0M |
Partners Bank of California liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners Bank of California, 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 Partners Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58588) · FFIEC NIC profile (RSSD 3655933)