Industrial and Commercial Bank of China (USA), 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 climbed 100.0% in Q2 2026, from $15.0M to $30.0M. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, Industrial and Commercial Bank of China (USA), N.A. sits 6th from the top on loan-to-deposit ratio, 122.90% as of Q2 2026. Industrial and Commercial Bank of China (USA), N.A. reported 122.90% on loan-to-deposit ratio for Q2 2026, 34.70 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $82.9M |
| Cash and noninterest-bearing balances to assets | 2.90% |
| Cash and securities | $90.2M |
| 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 | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.90% |
| Net loans and leases to deposits | 121.96% |
| Loans and leases to core deposits | 150.05% |
| Core deposits to total deposits | 64.14% |
| Brokered deposits to total deposits | 17.77% |
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 | 128.07% | 59.73% | $0 | $270.0M |
| Q4 2023 | 133.53% | 63.97% | $0 | $335.0M |
| Q1 2024 | 128.11% | 58.62% | $0 | $180.0M |
| Q2 2024 | 134.94% | 58.82% | $0 | $285.0M |
| Q3 2024 | 124.94% | 56.21% | $0 | $160.0M |
| Q4 2024 | 120.89% | 55.43% | $0 | $70.0M |
| Q1 2025 | 126.75% | 56.36% | $0 | $80.0M |
| Q2 2025 | 120.75% | 51.64% | $0 | $60.0M |
| Q3 2025 | 126.53% | 57.12% | $0 | $100.0M |
| Q4 2025 | 123.90% | 56.38% | $0 | $120.0M |
| Q1 2026 | 119.47% | 55.95% | $0 | $15.0M |
| Q2 2026 | 122.90% | 64.14% | $0 | $30.0M |
Industrial and Commercial Bank of China (USA), N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Industrial and Commercial Bank of China (USA), 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 Industrial and Commercial Bank of China (USA), N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24387) · FFIEC NIC profile (RSSD 1015560)