Summit 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.
Loans and leases to core deposits climbed 1.81 percentage points in Q2 2026, from 106.25% to 108.07%. It was the largest change from Q1 2026 among the key lines here. Within California, Summit Bank is 41st of 114 on loan-to-deposit ratio, 95.10% as of Q2 2026. Summit Bank reported 95.10% on loan-to-deposit ratio for Q2 2026, 14.55 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.5M |
| 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 | $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 | 95.10% |
| Net loans and leases to deposits | 92.21% |
| Loans and leases to core deposits | 108.07% |
| Core deposits to total deposits | 88.01% |
| 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 | 69.38% | 89.61% | $0 | $0 |
| Q4 2023 | 69.97% | 89.05% | $0 | $0 |
| Q1 2024 | 74.53% | 88.77% | $0 | $0 |
| Q2 2024 | 79.74% | 86.82% | $0 | $0 |
| Q3 2024 | 82.66% | 87.56% | $0 | $0 |
| Q4 2024 | 86.78% | 87.82% | $0 | $0 |
| Q1 2025 | 87.26% | 87.29% | $0 | $0 |
| Q2 2025 | 89.39% | 87.75% | $0 | $0 |
| Q3 2025 | 86.14% | 87.54% | $0 | $0 |
| Q4 2025 | 86.83% | 88.26% | $0 | $0 |
| Q1 2026 | 93.41% | 87.92% | $0 | $0 |
| Q2 2026 | 95.10% | 88.01% | $0 | $0 |
Summit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit 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 Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23864) · FFIEC NIC profile (RSSD 351560)