Banesco USA: 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 dropped 14.52 percentage points in Q2 2026, from 115.07% to 100.54%. It was the largest change from Q1 2026 among the key lines here. Banesco USA ranks 42nd of 81 Florida banks on loan-to-deposit ratio, in the lower half at 76.68% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Banesco USA sits 11.52 points lower, at 76.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $661.6M |
| Cash and noninterest-bearing balances to assets | 11.06% |
| Cash and securities | $1.81B |
| 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 | $125.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.68% |
| Net loans and leases to deposits | 75.95% |
| Loans and leases to core deposits | 100.54% |
| Core deposits to total deposits | 71.96% |
| Brokered deposits to total deposits | 4.30% |
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 | 103.85% | 67.27% | $284.0M | $266.2M |
| Q4 2023 | 96.97% | 58.55% | $284.0M | $50.0M |
| Q1 2024 | 93.68% | 58.72% | $0 | $240.2M |
| Q2 2024 | 92.02% | 61.68% | $0 | $225.0M |
| Q3 2024 | 92.61% | 62.49% | $0 | $280.0M |
| Q4 2024 | 91.59% | 61.72% | $0 | $225.0M |
| Q1 2025 | 87.76% | 64.14% | $0 | $325.0M |
| Q2 2025 | 85.27% | 62.83% | $0 | $325.0M |
| Q3 2025 | 81.41% | 60.23% | $0 | $175.0M |
| Q4 2025 | 84.67% | 66.15% | $0 | $265.0M |
| Q1 2026 | 84.42% | 69.92% | $25.0M | $275.0M |
| Q2 2026 | 76.68% | 71.96% | $0 | $125.0M |
Banesco USA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banesco USA, 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 Banesco USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57815) · FFIEC NIC profile (RSSD 3402913)