Plumas 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.
Cash and balances due from depository institutions climbed 115.6% in Q2 2026, from $62.9M to $135.5M. It was the largest change from Q1 2026 among the key lines here. Plumas Bank ranks 82nd of 114 California banks on loan-to-deposit ratio, in the lower half at 80.14% (Q2 2026). Plumas Bank reported 80.14% on loan-to-deposit ratio for Q2 2026, 8.07 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 | $135.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $601.5M |
| 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 | $59.2M |
| 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 | 80.14% |
| Net loans and leases to deposits | 79.09% |
| Loans and leases to core deposits | 87.92% |
| Core deposits to total deposits | 91.15% |
| Brokered deposits to total deposits | 0.53% |
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 | 68.40% | 97.68% | $16.1M | $0 |
| Q4 2023 | 71.90% | 97.43% | $23.1M | $80.0M |
| Q1 2024 | 74.80% | 97.35% | $19.3M | $105.0M |
| Q2 2024 | 76.08% | 96.92% | $13.9M | $105.0M |
| Q3 2024 | 73.90% | 96.86% | $17.0M | $60.0M |
| Q4 2024 | 73.63% | 97.15% | $22.1M | $0 |
| Q1 2025 | 73.16% | 97.60% | $18.7M | $0 |
| Q2 2025 | 73.95% | 94.52% | $14.9M | $0 |
| Q3 2025 | 81.80% | 92.79% | $93.9M | $0 |
| Q4 2025 | 83.33% | 92.72% | $97.9M | $0 |
| Q1 2026 | 84.65% | 92.37% | $99.4M | $0 |
| Q2 2026 | 80.14% | 91.15% | $59.2M | $0 |
Plumas Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Plumas 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 Plumas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23275) · FFIEC NIC profile (RSSD 670467)