State Street Bank and Trust Company: 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 balances due from depository institutions: 44.2% higher than in Q1 2026, at $13.3M. Within Illinois, State Street Bank and Trust Company is 62nd of 323 on loan-to-deposit ratio, 89.82% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Street Bank and Trust Company sits 8.99 points higher, at 89.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.2M |
| Fed funds sold and reverse repos | $702K |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.82% |
| Net loans and leases to deposits | 88.77% |
| Loans and leases to core deposits | 94.02% |
| Core deposits to total deposits | 95.54% |
| Brokered deposits to total deposits | 0.00% |
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 | 87.74% | 97.13% | $0 | $15.0M |
| Q4 2023 | 85.90% | 96.60% | $0 | $6.5M |
| Q1 2024 | 83.59% | 96.09% | $0 | $520K |
| Q2 2024 | 85.70% | 96.82% | $0 | $4.5M |
| Q3 2024 | 86.21% | 96.31% | $0 | $2.5M |
| Q4 2024 | 86.81% | 97.02% | $0 | $1.5M |
| Q1 2025 | 84.63% | 96.59% | $0 | $520K |
| Q2 2025 | 90.07% | 96.27% | $0 | $9.3M |
| Q3 2025 | 91.88% | 96.33% | $0 | $13.3M |
| Q4 2025 | 90.83% | 97.24% | $0 | $9.3M |
| Q1 2026 | 89.93% | 95.61% | $0 | $5.3M |
| Q2 2026 | 89.82% | 95.54% | $0 | $6.3M |
State Street Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Street Bank and Trust Company, 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 State Street Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14857) · FFIEC NIC profile (RSSD 352745)