Summit State 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 Brokered deposits to total deposits: 0.77 percentage points higher than in Q1 2026, at 6.06%. Within California, Summit State Bank is 62nd of 114 on loan-to-deposit ratio, 89.69% as of Q2 2026, below the middle of the field. Summit State Bank reported 89.69% on loan-to-deposit ratio for Q2 2026, 8.85 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $112.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $175.1M |
| 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 | $1.4M |
| Subordinated notes and debentures | $6.0M |
| Other borrowed money to assets | 0.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.69% |
| Net loans and leases to deposits | 88.18% |
| Loans and leases to core deposits | 97.19% |
| Core deposits to total deposits | 86.22% |
| Brokered deposits to total deposits | 6.06% |
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 | 91.91% | 84.07% | $0 | $1.1M |
| Q4 2023 | 94.47% | 82.80% | $0 | $994K |
| Q1 2024 | 99.36% | 85.02% | $0 | $29.5M |
| Q2 2024 | 95.97% | 82.99% | $0 | $4.3M |
| Q3 2024 | 93.03% | 83.53% | $0 | $1.0M |
| Q4 2024 | 95.45% | 84.88% | $0 | $1.3M |
| Q1 2025 | 93.09% | 87.51% | $0 | $1.2M |
| Q2 2025 | 94.10% | 87.01% | $0 | $1.1M |
| Q3 2025 | 95.91% | 86.69% | $0 | $7.1M |
| Q4 2025 | 94.97% | 86.20% | $0 | $1.5M |
| Q1 2026 | 90.04% | 86.89% | $0 | $1.4M |
| Q2 2026 | 89.69% | 86.22% | $0 | $1.4M |
Summit State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32203) · FFIEC NIC profile (RSSD 561574)