West Coast Community 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: 9.1% lower than in Q1 2026, at $147.0M. Within California, West Coast Community Bank is 61st of 114 on loan-to-deposit ratio, 90.00% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; West Coast Community Bank reported 90.00% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $147.0M |
| Cash and noninterest-bearing balances to assets | 4.99% |
| Cash and securities | $535.1M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Net loans and leases to deposits | 88.61% |
| Loans and leases to core deposits | 92.00% |
| Core deposits to total deposits | 97.83% |
| 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 | 89.93% | 94.92% | $0 | $0 |
| Q4 2023 | 93.13% | 92.54% | $32.5M | $0 |
| Q1 2024 | 94.67% | 93.12% | $0 | $0 |
| Q2 2024 | 96.86% | 93.73% | $16.5M | $0 |
| Q3 2024 | 91.31% | 94.65% | $0 | $0 |
| Q4 2024 | 88.48% | 96.95% | $0 | $0 |
| Q1 2025 | 93.29% | 97.11% | $0 | $20.0M |
| Q2 2025 | 93.34% | 97.12% | $0 | $4.1M |
| Q3 2025 | 87.26% | 97.51% | $0 | $0 |
| Q4 2025 | 87.63% | 97.64% | $0 | $0 |
| Q1 2026 | 89.63% | 97.71% | $0 | $0 |
| Q2 2026 | 90.00% | 97.83% | $0 | $0 |
West Coast Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Coast Community 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 West Coast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57591) · FFIEC NIC profile (RSSD 3235410)