Pinnacle 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.
Net loans and leases to deposits climbed 2.97 percentage points in Q2 2026, from 67.26% to 70.23%. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank ranks 97th of 114 California banks on loan-to-deposit ratio, in the lower half at 71.13% (Q2 2026). Pinnacle Bank reported 71.13% on loan-to-deposit ratio for Q2 2026, 9.70 points below 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 | $235.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $330.7M |
| Fed funds sold and reverse repos | $120.0M |
| Fed funds sold and reverse repos to assets | 12.81% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.13% |
| Net loans and leases to deposits | 70.23% |
| Loans and leases to core deposits | 76.47% |
| Core deposits to total deposits | 87.95% |
| Brokered deposits to total deposits | 5.08% |
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 | 71.37% | 89.86% | $0 | $0 |
| Q4 2023 | 78.23% | 88.79% | $0 | $0 |
| Q1 2024 | 78.62% | 88.88% | $0 | $0 |
| Q2 2024 | 80.02% | 88.63% | $0 | $0 |
| Q3 2024 | 78.14% | 88.68% | $0 | $0 |
| Q4 2024 | 81.47% | 89.13% | $0 | $0 |
| Q1 2025 | 73.93% | 86.99% | $0 | $0 |
| Q2 2025 | 74.47% | 88.84% | $0 | $0 |
| Q3 2025 | 72.02% | 87.84% | $0 | $0 |
| Q4 2025 | 75.81% | 88.53% | $0 | $0 |
| Q1 2026 | 68.84% | 86.50% | $0 | $0 |
| Q2 2026 | 71.13% | 87.95% | $0 | $0 |
Pinnacle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58297) · FFIEC NIC profile (RSSD 3455227)