Western Alliance 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.
Loans and leases to core deposits climbed 3.90 percentage points in Q2 2026, from 78.14% to 82.04%. It was the largest change from Q1 2026 among the key lines here. Western Alliance Bank ranks 8th of 12 Arizona banks on loan-to-deposit ratio, in the lower half at 79.66% (Q2 2026). Western Alliance Bank reported 79.66% on loan-to-deposit ratio for Q2 2026, 7.18 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.94B |
| Cash and noninterest-bearing balances to assets | 6.02% |
| Cash and securities | $26.53B |
| 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 | $6.52B |
| Subordinated notes and debentures | $387.7M |
| Other borrowed money to assets | 6.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.66% |
| Net loans and leases to deposits | 79.06% |
| Loans and leases to core deposits | 82.04% |
| Core deposits to total deposits | 78.34% |
| Brokered deposits to total deposits | 18.75% |
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 | 94.54% | 62.76% | $131.4M | $8.73B |
| Q4 2023 | 93.20% | 61.70% | $182.5M | $7.25B |
| Q1 2024 | 84.36% | 63.87% | $8.8M | $6.49B |
| Q2 2024 | 82.19% | 68.57% | $7.8M | $5.88B |
| Q3 2024 | 81.93% | 69.84% | $5.3M | $3.32B |
| Q4 2024 | 84.30% | 66.36% | $14.6M | $5.88B |
| Q1 2025 | 83.73% | 69.61% | $6.9M | $4.52B |
| Q2 2025 | 83.12% | 71.01% | $0 | $6.42B |
| Q3 2025 | 78.07% | 80.13% | $0 | $4.23B |
| Q4 2025 | 80.23% | 78.07% | $0 | $5.36B |
| Q1 2026 | 76.02% | 79.27% | $0 | $5.79B |
| Q2 2026 | 79.66% | 78.34% | $0 | $6.52B |
Western Alliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Alliance 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 Western Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57512) · FFIEC NIC profile (RSSD 3138146)