Savings Bank of Mendocino County: 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.
Other borrowed money dropped 16.6% in Q2 2026, from $68.5M to $57.1M. It was the largest change from Q1 2026 among the key lines here. Savings Bank of Mendocino County ranks 95th of 114 California banks on loan-to-deposit ratio, in the lower half at 72.22% (Q2 2026). Savings Bank of Mendocino County reported 72.22% on loan-to-deposit ratio for Q2 2026, 15.99 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 | $21.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $457.5M |
| 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 | $57.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.22% |
| Net loans and leases to deposits | 70.42% |
| Loans and leases to core deposits | 77.01% |
| Core deposits to total deposits | 93.78% |
| Brokered deposits to total deposits | 0.00% |
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 | 64.59% | 96.46% | $0 | $67.0M |
| Q4 2023 | 66.68% | 95.95% | $0 | $82.0M |
| Q1 2024 | 70.69% | 95.96% | $0 | $131.4M |
| Q2 2024 | 73.18% | 95.55% | $0 | $166.0M |
| Q3 2024 | 71.00% | 94.84% | $0 | $130.9M |
| Q4 2024 | 73.00% | 94.02% | $0 | $132.8M |
| Q1 2025 | 72.88% | 93.04% | $0 | $125.0M |
| Q2 2025 | 74.52% | 93.46% | $0 | $138.3M |
| Q3 2025 | 71.83% | 93.79% | $0 | $125.0M |
| Q4 2025 | 73.18% | 93.53% | $0 | $125.0M |
| Q1 2026 | 72.32% | 93.66% | $0 | $68.5M |
| Q2 2026 | 72.22% | 93.78% | $0 | $57.1M |
Savings Bank of Mendocino County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Savings Bank of Mendocino County, 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 Savings Bank of Mendocino County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8011) · FFIEC NIC profile (RSSD 146663)