Shinhan Bank 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.
Cash and balances due from depository institutions climbed 270.1% in Q2 2026, from $69.3M to $256.4M. It was the largest change from Q1 2026 among the key lines here. Within New York, Shinhan Bank America is 31st of 105 on loan-to-deposit ratio, 94.11% as of Q2 2026, above the middle of the field. Shinhan Bank America reported 94.11% on loan-to-deposit ratio for Q2 2026, 5.91 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 | $256.4M |
| Cash and noninterest-bearing balances to assets | 11.47% |
| Cash and securities | $369.6M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.11% |
| Net loans and leases to deposits | 93.41% |
| Loans and leases to core deposits | 120.93% |
| Core deposits to total deposits | 73.14% |
| Brokered deposits to total deposits | 4.68% |
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 | 91.68% | 84.11% | $0 | $0 |
| Q4 2023 | 100.87% | 82.68% | $0 | $50.0M |
| Q1 2024 | 95.30% | 79.79% | $0 | $70.0M |
| Q2 2024 | 103.41% | 80.17% | $0 | $35.0M |
| Q3 2024 | 98.29% | 78.32% | $0 | $0 |
| Q4 2024 | 99.05% | 79.54% | $0 | $0 |
| Q1 2025 | 98.33% | 79.52% | $0 | $0 |
| Q2 2025 | 98.58% | 80.94% | $0 | $30.0M |
| Q3 2025 | 102.43% | 80.37% | $0 | $0 |
| Q4 2025 | 104.71% | 76.84% | $0 | $0 |
| Q1 2026 | 104.51% | 76.89% | $0 | $0 |
| Q2 2026 | 94.11% | 73.14% | $0 | $0 |
Shinhan Bank America liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Shinhan Bank 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 Shinhan Bank America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33188) · FFIEC NIC profile (RSSD 1494914)