Truist Bank: 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: 263.4% higher than in Q1 2026, at $5.20B. Within North Carolina, Truist Bank is 26th of 38 on loan-to-deposit ratio, 79.23% as of Q2 2026, below the middle of the field. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Truist Bank sits 17.55 points higher, at 79.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.20B |
| Cash and noninterest-bearing balances to assets | 7.15% |
| Cash and securities | $153.38B |
| Fed funds sold and reverse repos | $1.46B |
| Fed funds sold and reverse repos to assets | 0.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.20B |
| Other borrowed money | $44.45B |
| Subordinated notes and debentures | $2.78B |
| Other borrowed money to assets | 8.11% |
| Trading liabilities | $3.79B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.23% |
| Net loans and leases to deposits | 78.05% |
| Loans and leases to core deposits | 82.45% |
| Core deposits to total deposits | 89.90% |
| Brokered deposits to total deposits | 6.40% |
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 | 76.97% | 90.13% | $1.50B | $39.23B |
| Q4 2023 | 76.86% | 89.95% | $1.50B | $39.46B |
| Q1 2024 | 75.94% | 90.34% | $500.0M | $41.61B |
| Q2 2024 | 77.26% | 90.97% | $0 | $34.62B |
| Q3 2024 | 75.99% | 90.80% | $2.95B | $31.18B |
| Q4 2024 | 76.49% | 90.73% | $8.49B | $34.34B |
| Q1 2025 | 74.82% | 90.54% | $1.60B | $33.97B |
| Q2 2025 | 76.60% | 88.82% | $2.50B | $37.01B |
| Q3 2025 | 80.55% | 89.92% | $7.20B | $45.86B |
| Q4 2025 | 80.68% | 90.60% | $2.25B | $48.67B |
| Q1 2026 | 80.10% | 90.42% | $1.43B | $46.82B |
| Q2 2026 | 79.23% | 89.90% | $5.20B | $44.45B |
Truist Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Truist Bank, 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 Truist Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9846) · FFIEC NIC profile (RSSD 852320)