BankUnited, 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.
Core deposits to total deposits climbed 5.27 percentage points in Q2 2026, from 81.88% to 87.15%. It was the largest change from Q1 2026 among the key lines here. Within Florida, BankUnited, N.A. is 31st of 81 on loan-to-deposit ratio, 82.27% as of Q2 2026, above the middle of the field. BankUnited, N.A. reported 82.27% on loan-to-deposit ratio for Q2 2026, 4.57 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 | $367.9M |
| Cash and noninterest-bearing balances to assets | 1.06% |
| Cash and securities | $9.68B |
| 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 | $265.0M |
| Other borrowed money | $1.65B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.74% |
| Trading liabilities | $62.8M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.27% |
| Net loans and leases to deposits | 81.52% |
| Loans and leases to core deposits | 84.31% |
| Core deposits to total deposits | 87.15% |
| Brokered deposits to total deposits | 10.43% |
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 | 92.19% | 75.86% | $0 | $5.19B |
| Q4 2023 | 91.84% | 76.70% | $0 | $5.14B |
| Q1 2024 | 88.71% | 77.83% | $0 | $3.93B |
| Q2 2024 | 87.84% | 80.29% | $0 | $3.31B |
| Q3 2024 | 86.54% | 79.45% | $0 | $3.61B |
| Q4 2024 | 86.25% | 78.71% | $0 | $2.95B |
| Q1 2025 | 84.11% | 80.83% | $0 | $2.43B |
| Q2 2025 | 81.92% | 83.50% | $0 | $2.28B |
| Q3 2025 | 82.08% | 81.84% | $0 | $2.10B |
| Q4 2025 | 81.97% | 80.97% | $0 | $1.58B |
| Q1 2026 | 81.76% | 81.88% | $0 | $1.78B |
| Q2 2026 | 82.27% | 87.15% | $265.0M | $1.65B |
BankUnited, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BankUnited, 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 BankUnited, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58979) · FFIEC NIC profile (RSSD 3938186)