Sumitomo Mitsui Trust Bank (U.S.A.) Limited: 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 Loan-to-deposit ratio: 2.08 percentage points lower than in Q1 2026, at 0.01%. Sumitomo Mitsui Trust Bank (U.S.A.) Limited has the 1st lowest loan-to-deposit ratio of the 49 banks headquartered in New Jersey, at 0.01% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported 0.01% on loan-to-deposit ratio in Q2 2026, 88.19 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.80B |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.80B |
| 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 | 0.01% |
| Net loans and leases to deposits | 0.01% |
| Loans and leases to core deposits | 0.01% |
| Core deposits to total deposits | 100.00% |
| 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 | 0.16% | 100.00% | $0 | $0 |
| Q4 2023 | 0.01% | 100.00% | $0 | $0 |
| Q1 2024 | 0.19% | 100.00% | $0 | $0 |
| Q2 2024 | 0.02% | 100.00% | $0 | $0 |
| Q3 2024 | 0.06% | 100.00% | $0 | $0 |
| Q4 2024 | 0.06% | 100.00% | $0 | $0 |
| Q1 2025 | 1.57% | 100.00% | $0 | $0 |
| Q2 2025 | 0.02% | 100.00% | $0 | $0 |
| Q3 2025 | 0.03% | 100.00% | $0 | $0 |
| Q4 2025 | 0.01% | 100.00% | $0 | $0 |
| Q1 2026 | 2.10% | 100.00% | $0 | $0 |
| Q2 2026 | 0.01% | 100.00% | $0 | $0 |
Sumitomo Mitsui Trust Bank (U.S.A.) Limited liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sumitomo Mitsui Trust Bank (U.S.A.) Limited, 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 Sumitomo Mitsui Trust Bank (U.S.A.) Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27054) · FFIEC NIC profile (RSSD 925411)