US Metro 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 Loans and leases to core deposits: 1.94 percentage points lower than in Q1 2026, at 124.94%. Within California, US Metro Bank is 39th of 114 on loan-to-deposit ratio, 95.40% as of Q2 2026, above the middle of the field. US Metro Bank reported 95.40% on loan-to-deposit ratio for Q2 2026, 7.19 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 | $189.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $245.4M |
| 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 | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.40% |
| Net loans and leases to deposits | 94.19% |
| Loans and leases to core deposits | 124.94% |
| Core deposits to total deposits | 67.82% |
| Brokered deposits to total deposits | 8.54% |
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 | 92.66% | 66.30% | $0 | $30.7M |
| Q4 2023 | 95.93% | 60.49% | $0 | $30.4M |
| Q1 2024 | 94.83% | 60.96% | $0 | $30.1M |
| Q2 2024 | 95.31% | 58.23% | $0 | $30.5M |
| Q3 2024 | 92.89% | 61.18% | $0 | $30.1M |
| Q4 2024 | 95.77% | 59.25% | $0 | $25.0M |
| Q1 2025 | 96.83% | 59.41% | $0 | $35.0M |
| Q2 2025 | 95.99% | 60.26% | $0 | $20.0M |
| Q3 2025 | 91.74% | 61.16% | $0 | $25.0M |
| Q4 2025 | 94.48% | 61.81% | $0 | $25.0M |
| Q1 2026 | 95.60% | 66.35% | $0 | $25.0M |
| Q2 2026 | 95.40% | 67.82% | $0 | $25.0M |
US Metro Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock US Metro 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 US Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58310) · FFIEC NIC profile (RSSD 3470154)