Sallie Mae Bank: 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.
The standout move of Q2 2026 was in Cash and noninterest-bearing balances to assets: 1.48 percentage points lower than in Q1 2026, at 16.75%. Within Utah, Sallie Mae Bank is 12th of 44 on loan-to-deposit ratio, 103.90% as of Q2 2026, above the middle of the field. Sallie Mae Bank reported 103.90% on loan-to-deposit ratio for Q2 2026, 17.07 points above 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 | $4.78B |
| Cash and noninterest-bearing balances to assets | 16.75% |
| Cash and securities | $6.50B |
| 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 | $4.86B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.90% |
| Net loans and leases to deposits | 97.20% |
| Loans and leases to core deposits | 110.67% |
| Core deposits to total deposits | 53.51% |
| Brokered deposits to total deposits | 40.56% |
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 | 102.77% | 48.40% | $0 | $4.52B |
| Q4 2023 | 99.07% | 48.94% | $0 | $4.24B |
| Q1 2024 | 101.83% | 46.97% | $0 | $3.98B |
| Q2 2024 | 96.02% | 47.74% | $0 | $4.41B |
| Q3 2024 | 103.31% | 48.96% | $0 | $5.04B |
| Q4 2024 | 104.40% | 50.34% | $0 | $5.44B |
| Q1 2025 | 110.67% | 52.37% | $0 | $5.16B |
| Q2 2025 | 109.07% | 53.25% | $0 | $5.42B |
| Q3 2025 | 114.76% | 55.89% | $0 | $5.85B |
| Q4 2025 | 105.68% | 53.55% | $0 | $4.87B |
| Q1 2026 | 103.62% | 52.52% | $0 | $5.18B |
| Q2 2026 | 103.90% | 53.51% | $0 | $4.86B |
Sallie Mae Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sallie Mae Bank, 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 Sallie Mae Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58177) · FFIEC NIC profile (RSSD 3394278)