Provident Savings Bank, F.S.B.: 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 Core deposits to total deposits: 2.81 percentage points lower than in Q1 2026, at 71.06%. On loan-to-deposit ratio, Provident Savings Bank, F.S.B. ranks 7th highest among the 114 banks headquartered in California, at 113.27% (Q2 2026). Provident Savings Bank, F.S.B. reported 113.27% on loan-to-deposit ratio for Q2 2026, 25.07 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 | $49.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $140.8M |
| 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 | $157.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.27% |
| Net loans and leases to deposits | 112.64% |
| Loans and leases to core deposits | 127.76% |
| Core deposits to total deposits | 71.06% |
| Brokered deposits to total deposits | 17.60% |
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 | 114.28% | 85.25% | $0 | $235.0M |
| Q4 2023 | 117.31% | 82.37% | $0 | $242.5M |
| Q1 2024 | 116.91% | 81.04% | $0 | $235.0M |
| Q2 2024 | 118.48% | 79.93% | $0 | $238.5M |
| Q3 2024 | 120.28% | 80.63% | $0 | $249.5M |
| Q4 2024 | 120.75% | 79.03% | $0 | $245.5M |
| Q1 2025 | 117.07% | 75.87% | $0 | $215.6M |
| Q2 2025 | 117.54% | 75.22% | $0 | $213.1M |
| Q3 2025 | 117.74% | 75.52% | $0 | $213.1M |
| Q4 2025 | 117.98% | 74.62% | $0 | $213.1M |
| Q1 2026 | 114.89% | 73.87% | $0 | $184.1M |
| Q2 2026 | 113.27% | 71.06% | $0 | $157.0M |
Provident Savings Bank, F.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Provident Savings Bank, F.S.B., 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 Provident Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30879) · FFIEC NIC profile (RSSD 631570)