BNY Mellon, 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.
Other borrowed money dropped 21.3% in Q2 2026, from $762.0M to $600.0M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, BNY Mellon, N.A. is 92nd of 109 on loan-to-deposit ratio, 71.41% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. BNY Mellon, N.A. sits 15.42 points lower, at 71.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.75B |
| Cash and noninterest-bearing balances to assets | 25.32% |
| Cash and securities | $7.84B |
| Fed funds sold and reverse repos | $1.97B |
| Fed funds sold and reverse repos to assets | 6.45% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $600.0M |
| Subordinated notes and debentures | $200.0M |
| Other borrowed money to assets | 1.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.41% |
| Net loans and leases to deposits | 71.33% |
| Loans and leases to core deposits | 98.05% |
| Core deposits to total deposits | 41.22% |
| Brokered deposits to total deposits | 31.61% |
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 | 75.45% | 47.59% | $0 | $600.0M |
| Q4 2023 | 74.70% | 46.53% | $0 | $635.0M |
| Q1 2024 | 72.36% | 45.38% | $0 | $600.0M |
| Q2 2024 | 71.61% | 40.72% | $0 | $711.0M |
| Q3 2024 | 72.80% | 39.65% | $0 | $600.0M |
| Q4 2024 | 70.34% | 39.93% | $0 | $600.0M |
| Q1 2025 | 72.30% | 37.49% | $0 | $636.0M |
| Q2 2025 | 75.82% | 35.38% | $0 | $621.0M |
| Q3 2025 | 70.63% | 37.60% | $0 | $795.0M |
| Q4 2025 | 70.32% | 41.79% | $0 | $600.0M |
| Q1 2026 | 71.10% | 40.43% | $0 | $762.0M |
| Q2 2026 | 71.41% | 41.22% | $0 | $600.0M |
BNY Mellon, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BNY Mellon, 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 BNY Mellon, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7946) · FFIEC NIC profile (RSSD 934329)