Bank of America, N.A.: 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.
Trading liabilities climbed 22.9% in Q2 2026, from $42.20B to $51.86B. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of America, N.A. is 3rd from the bottom among 38 North Carolina banks, 57.10% (Q2 2026). The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Bank of America, N.A. sits 4.59 points lower, at 57.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $214.61B |
| Cash and noninterest-bearing balances to assets | 8.08% |
| Cash and securities | $1.05T |
| Fed funds sold and reverse repos | $69.77B |
| Fed funds sold and reverse repos to assets | 2.63% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $98.29B |
| Other borrowed money | $93.60B |
| Subordinated notes and debentures | $1.40B |
| Other borrowed money to assets | 3.53% |
| Trading liabilities | $51.86B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.10% |
| Net loans and leases to deposits | 56.48% |
| Loans and leases to core deposits | 63.12% |
| Core deposits to total deposits | 87.43% |
| Brokered deposits to total deposits | 3.81% |
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 | 53.00% | 89.47% | $113.58B | $66.76B |
| Q4 2023 | 51.68% | 88.89% | $126.23B | $63.16B |
| Q1 2024 | 51.14% | 88.01% | $119.80B | $63.47B |
| Q2 2024 | 52.23% | 87.07% | $146.12B | $65.11B |
| Q3 2024 | 53.41% | 87.02% | $155.04B | $65.99B |
| Q4 2024 | 53.40% | 87.27% | $145.31B | $62.34B |
| Q1 2025 | 53.52% | 87.45% | $151.93B | $66.92B |
| Q2 2025 | 54.19% | 87.35% | $154.97B | $65.60B |
| Q3 2025 | 55.45% | 87.23% | $129.10B | $84.44B |
| Q4 2025 | 56.14% | 87.39% | $117.76B | $89.78B |
| Q1 2026 | 56.61% | 87.60% | $117.15B | $93.02B |
| Q2 2026 | 57.10% | 87.43% | $98.29B | $93.60B |
Bank of America, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of America, N.A., 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 Bank of America, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3510) · FFIEC NIC profile (RSSD 480228)