Universal 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 95.0% in Q2 2026, from $20.0M to $39.0M. It was the largest change from Q1 2026 among the key lines here. Within California, Universal Bank is 42nd of 114 on loan-to-deposit ratio, 95.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Universal Bank sits 14.53 points higher, at 95.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.8M |
| 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 | $39.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.08% |
| Net loans and leases to deposits | 94.06% |
| Loans and leases to core deposits | 116.31% |
| Core deposits to total deposits | 64.50% |
| Brokered deposits to total deposits | 17.25% |
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 | 111.40% | 77.15% | $0 | $40.0M |
| Q4 2023 | 109.99% | 75.85% | $0 | $40.0M |
| Q1 2024 | 108.60% | 71.01% | $0 | $40.0M |
| Q2 2024 | 103.05% | 68.47% | $0 | $40.0M |
| Q3 2024 | 111.53% | 76.43% | $0 | $40.0M |
| Q4 2024 | 112.94% | 77.51% | $0 | $40.0M |
| Q1 2025 | 107.02% | 74.18% | $0 | $40.0M |
| Q2 2025 | 105.39% | 69.13% | $0 | $20.0M |
| Q3 2025 | 104.95% | 69.08% | $0 | $20.0M |
| Q4 2025 | 96.61% | 65.60% | $0 | $20.0M |
| Q1 2026 | 92.15% | 62.56% | $0 | $20.0M |
| Q2 2026 | 95.08% | 64.50% | $0 | $39.0M |
Universal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Universal 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 Universal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30722) · FFIEC NIC profile (RSSD 208570)