SMBC Manubank: 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.
Loan-to-deposit ratio dropped 16.11 percentage points in Q2 2026, from 64.34% to 48.23%. It was the largest change from Q1 2026 among the key lines here. SMBC Manubank has the 6th lowest loan-to-deposit ratio of the 114 banks headquartered in California, at 48.23% as of Q2 2026. SMBC Manubank reported 48.23% on loan-to-deposit ratio for Q2 2026, 39.97 points below 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 | $2.93B |
| Cash and noninterest-bearing balances to assets | 44.48% |
| Cash and securities | $3.65B |
| 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 | $115.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.23% |
| Net loans and leases to deposits | 48.23% |
| Loans and leases to core deposits | 48.94% |
| Core deposits to total deposits | 97.09% |
| Brokered deposits to total deposits | 1.46% |
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 | 80.67% | 81.03% | $0 | $115.0M |
| Q4 2023 | 83.89% | 82.71% | $90.0M | $115.0M |
| Q1 2024 | 83.78% | 82.57% | $50.0M | $115.0M |
| Q2 2024 | 82.75% | 90.09% | $0 | $115.0M |
| Q3 2024 | 84.86% | 94.51% | $0 | $115.0M |
| Q4 2024 | 81.42% | 94.37% | $0 | $115.0M |
| Q1 2025 | 78.08% | 95.77% | $0 | $115.0M |
| Q2 2025 | 80.63% | 95.76% | $0 | $115.0M |
| Q3 2025 | 73.92% | 97.35% | $0 | $115.0M |
| Q4 2025 | 71.09% | 97.85% | $0 | $115.0M |
| Q1 2026 | 64.34% | 97.64% | $0 | $115.0M |
| Q2 2026 | 48.23% | 97.09% | $0 | $115.0M |
SMBC Manubank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SMBC Manubank, 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 SMBC Manubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18618) · FFIEC NIC profile (RSSD 930965)