PCB 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 Other borrowed money: 80.0% higher than in Q1 2026, at $90.0M. Within California, PCB Bank is 26th of 114 on loan-to-deposit ratio, 100.04% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. PCB Bank sits 11.84 points higher, at 100.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $265.2M |
| Cash and noninterest-bearing balances to assets | 7.64% |
| Cash and securities | $449.5M |
| 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 | $90.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.04% |
| Net loans and leases to deposits | 98.86% |
| Loans and leases to core deposits | 138.97% |
| Core deposits to total deposits | 63.61% |
| Brokered deposits to total deposits | 8.38% |
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 | 98.82% | 67.47% | $0 | $0 |
| Q4 2023 | 98.72% | 62.72% | $0 | $39.0M |
| Q1 2024 | 99.59% | 62.29% | $0 | $50.0M |
| Q2 2024 | 101.55% | 62.61% | $0 | $36.0M |
| Q3 2024 | 100.12% | 62.11% | $0 | $0 |
| Q4 2024 | 100.46% | 57.79% | $0 | $15.0M |
| Q1 2025 | 100.60% | 59.43% | $0 | $30.0M |
| Q2 2025 | 98.98% | 59.75% | $0 | $45.0M |
| Q3 2025 | 94.48% | 61.95% | $0 | $0 |
| Q4 2025 | 100.95% | 64.75% | $0 | $34.0M |
| Q1 2026 | 99.26% | 63.38% | $0 | $50.0M |
| Q2 2026 | 100.04% | 63.61% | $0 | $90.0M |
PCB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PCB 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 PCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57463) · FFIEC NIC profile (RSSD 3212402)