BMW Bank of North America: 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 5.69 percentage points in Q2 2026, from 113.15% to 107.46%. It was the largest change from Q1 2026 among the key lines here. Within Utah, BMW Bank of North America is 8th of 44 on loan-to-deposit ratio, 107.46% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. BMW Bank of North America sits 20.63 points higher, at 107.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $683.2M |
| Cash and noninterest-bearing balances to assets | 4.95% |
| Cash and securities | $3.52B |
| 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 | $82.0M |
| Other borrowed money | $1.89B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.46% |
| Net loans and leases to deposits | 106.94% |
| Loans and leases to core deposits | 107.46% |
| Core deposits to total deposits | 15.21% |
| Brokered deposits to total deposits | 84.79% |
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 | 116.38% | 23.60% | $72.0M | $2.07B |
| Q4 2023 | 118.76% | 22.38% | $152.0M | $2.02B |
| Q1 2024 | 121.04% | 22.14% | $208.0M | $1.98B |
| Q2 2024 | 119.79% | 21.48% | $134.0M | $2.19B |
| Q3 2024 | 119.62% | 21.66% | $80.0M | $2.05B |
| Q4 2024 | 114.31% | 21.53% | $0 | $1.82B |
| Q1 2025 | 117.07% | 23.09% | $0 | $1.88B |
| Q2 2025 | 118.05% | 20.33% | $108.0M | $2.07B |
| Q3 2025 | 117.19% | 20.04% | $124.0M | $2.02B |
| Q4 2025 | 112.18% | 19.89% | $52.0M | $1.97B |
| Q1 2026 | 113.15% | 16.67% | $133.0M | $1.93B |
| Q2 2026 | 107.46% | 15.21% | $82.0M | $1.89B |
BMW Bank of North America liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BMW Bank of North America, 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 BMW Bank of North America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35141) · FFIEC NIC profile (RSSD 2850722)