United Business 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.
Other borrowed money climbed 179.3% in Q2 2026, from $14.6M to $40.7M. It was the largest change from Q1 2026 among the key lines here. Within California, United Business Bank is 38th of 114 on loan-to-deposit ratio, 95.50% as of Q2 2026, above the middle of the field. United Business Bank reported 95.50% on loan-to-deposit ratio for Q2 2026, 7.30 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 | $177.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $360.0M |
| 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 | $40.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.50% |
| Net loans and leases to deposits | 94.45% |
| Loans and leases to core deposits | 101.76% |
| Core deposits to total deposits | 93.85% |
| 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 | 91.16% | 93.49% | $0 | $16.0M |
| Q4 2023 | 89.84% | 93.23% | $0 | $14.8M |
| Q1 2024 | 87.90% | 91.14% | $0 | $14.3M |
| Q2 2024 | 85.71% | 91.55% | $0 | $13.8M |
| Q3 2024 | 89.15% | 90.98% | $0 | $13.7M |
| Q4 2024 | 87.16% | 91.22% | $0 | $14.4M |
| Q1 2025 | 92.13% | 92.97% | $0 | $15.0M |
| Q2 2025 | 91.44% | 94.04% | $0 | $14.1M |
| Q3 2025 | 91.24% | 93.80% | $0 | $14.5M |
| Q4 2025 | 93.09% | 93.89% | $0 | $13.7M |
| Q1 2026 | 88.72% | 93.94% | $0 | $14.6M |
| Q2 2026 | 95.50% | 93.85% | $0 | $40.7M |
United Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Business 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 United Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57716) · FFIEC NIC profile (RSSD 3281510)