Tri Counties 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 balances due from depository institutions: 65.2% lower than in Q1 2026, at $104.8M. Tri Counties Bank ranks 67th of 114 California banks on loan-to-deposit ratio, in the lower half at 87.34% (Q2 2026). At 87.34%, Tri Counties Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $104.8M |
| Cash and noninterest-bearing balances to assets | 1.06% |
| Cash and securities | $1.88B |
| 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 | $10.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.34% |
| Net loans and leases to deposits | 85.79% |
| Loans and leases to core deposits | 92.93% |
| Core deposits to total deposits | 93.98% |
| 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 | 83.71% | 98.04% | $0 | $538.0M |
| Q4 2023 | 86.67% | 97.14% | $0 | $632.6M |
| Q1 2024 | 85.05% | 95.31% | $0 | $392.4M |
| Q2 2024 | 83.64% | 94.96% | $0 | $247.8M |
| Q3 2024 | 83.08% | 94.44% | $0 | $266.8M |
| Q4 2024 | 83.57% | 94.25% | $0 | $89.6M |
| Q1 2025 | 83.09% | 94.36% | $0 | $91.7M |
| Q2 2025 | 83.02% | 94.42% | $0 | $17.8M |
| Q3 2025 | 84.05% | 94.42% | $0 | $17.0M |
| Q4 2025 | 86.02% | 94.30% | $0 | $11.7M |
| Q1 2026 | 84.11% | 94.13% | $0 | $11.5M |
| Q2 2026 | 87.34% | 93.98% | $0 | $10.5M |
Tri Counties Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri Counties 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 Tri Counties Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21943) · FFIEC NIC profile (RSSD 100562)