Westamerica 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.
Cash and balances due from depository institutions dropped 24.1% in Q2 2026, from $399.5M to $303.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Westamerica Bank is 4th from the bottom among 114 California banks, 14.00% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, Westamerica Bank reported 14.00% on loan-to-deposit ratio in Q2 2026, 74.20 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $303.0M |
| Cash and noninterest-bearing balances to assets | 5.25% |
| Cash and securities | $4.75B |
| 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 | $340.4M |
| 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 | 14.00% |
| Net loans and leases to deposits | 13.78% |
| Loans and leases to core deposits | 14.02% |
| Core deposits to total deposits | 99.86% |
| 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 | 15.54% | 99.80% | $239.2M | $0 |
| Q4 2023 | 15.82% | 99.82% | $212.1M | $0 |
| Q1 2024 | 15.76% | 99.82% | $226.9M | $200.0M |
| Q2 2024 | 16.20% | 99.81% | $300.2M | $200.0M |
| Q3 2024 | 16.45% | 99.80% | $361.9M | $0 |
| Q4 2024 | 16.36% | 99.81% | $382.3M | $0 |
| Q1 2025 | 15.81% | 99.82% | $386.1M | $0 |
| Q2 2025 | 15.75% | 99.82% | $361.9M | $0 |
| Q3 2025 | 15.46% | 99.82% | $397.2M | $0 |
| Q4 2025 | 15.00% | 99.85% | $403.3M | $0 |
| Q1 2026 | 14.54% | 99.85% | $375.8M | $0 |
| Q2 2026 | 14.00% | 99.86% | $340.4M | $0 |
Westamerica Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Westamerica 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 Westamerica Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3430) · FFIEC NIC profile (RSSD 697763)