Poppy 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 Cash and noninterest-bearing balances to assets: 2.43 percentage points higher than in Q1 2026, at 14.17%. Poppy Bank ranks 52nd of 114 California banks on loan-to-deposit ratio, in the upper half at 92.76% (Q2 2026). Poppy Bank reported 92.76% on loan-to-deposit ratio for Q2 2026, 4.56 points above 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 | — |
| Cash and noninterest-bearing balances to assets | 14.17% |
| Cash and securities | $2.08B |
| 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 | $1.15B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.76% |
| Net loans and leases to deposits | 91.46% |
| Loans and leases to core deposits | 112.90% |
| Core deposits to total deposits | 78.30% |
| Brokered deposits to total deposits | 3.86% |
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 | 85.56% | 58.06% | $0 | $694.0M |
| Q4 2023 | 88.69% | 61.21% | $0 | $958.0M |
| Q1 2024 | 86.10% | 66.80% | $0 | $838.0M |
| Q2 2024 | 88.54% | 65.02% | $0 | $810.8M |
| Q3 2024 | 89.80% | 67.87% | $0 | $644.0M |
| Q4 2024 | 85.32% | 74.85% | $0 | $475.0M |
| Q1 2025 | 88.39% | 77.06% | $0 | $375.0M |
| Q2 2025 | 97.32% | 77.66% | $0 | $840.0M |
| Q3 2025 | 93.31% | 77.42% | $0 | $750.0M |
| Q4 2025 | 92.73% | 77.48% | $0 | $850.0M |
| Q1 2026 | 92.72% | 78.83% | $0 | $925.0M |
| Q2 2026 | 92.76% | 78.30% | $0 | $1.15B |
Poppy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Poppy 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 Poppy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57903) · FFIEC NIC profile (RSSD 3232204)