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 Fed funds purchased and repos: 59.2% lower than in Q1 2026, at $395.0M. On loan-to-deposit ratio, State Street Bank and Trust Company is 2nd from the bottom among 89 Massachusetts banks, 16.05% (Q2 2026). Against a median of 61.69% for banks in the >= $250B asset tier, State Street Bank and Trust Company reported 16.05% on loan-to-deposit ratio in Q2 2026, 45.63 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $148.95B |
| Cash and noninterest-bearing balances to assets | 36.10% |
| Cash and securities | $256.21B |
| Fed funds sold and reverse repos | $9.04B |
| Fed funds sold and reverse repos to assets | 2.19% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $395.0M |
| Other borrowed money | $17.77B |
| Subordinated notes and debentures | $521.0M |
| Other borrowed money to assets | 4.31% |
| Trading liabilities | $4.68B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 16.05% |
| Net loans and leases to deposits | 16.00% |
| Loans and leases to core deposits | 21.77% |
| Core deposits to total deposits | 69.32% |
| Brokered deposits to total deposits | 4.55% |
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 | 16.33% | 64.87% | $3.10B | $8.00B |
| Q4 2023 | 16.23% | 62.64% | $1.87B | $11.70B |
| Q1 2024 | 15.01% | 67.71% | $3.58B | $19.56B |
| Q2 2024 | 16.17% | 67.78% | $2.72B | $22.57B |
| Q3 2024 | 16.56% | 66.58% | $2.12B | $19.04B |
| Q4 2024 | 16.25% | 68.47% | $3.68B | $22.35B |
| Q1 2025 | 16.14% | 65.31% | $3.52B | $25.84B |
| Q2 2025 | 16.43% | 65.93% | $2.38B | $23.82B |
| Q3 2025 | 16.37% | 65.99% | $206.0M | $23.10B |
| Q4 2025 | 16.74% | 67.19% | $841.0M | $17.09B |
| Q1 2026 | 16.48% | 67.31% | $969.0M | $17.40B |
| Q2 2026 | 16.05% | 69.32% | $395.0M | $17.77B |
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 14) · FFIEC NIC profile (RSSD 35301)