U.S. Bank N.A.: 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.
Other borrowed money climbed 42.8% in Q2 2026, from $44.62B to $63.70B. It was the largest change from Q1 2026 among the key lines here. Within Ohio, U.S. Bank N.A. is 100th of 156 on loan-to-deposit ratio, 76.28% as of Q2 2026, below the middle of the field. U.S. Bank N.A. reported 76.28% on loan-to-deposit ratio for Q2 2026, 14.59 points above the 61.69% median for banks in the >= $250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.81B |
| Cash and noninterest-bearing balances to assets | 9.33% |
| Cash and securities | $228.40B |
| Fed funds sold and reverse repos | $59.6M |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.31B |
| Other borrowed money | $63.70B |
| Subordinated notes and debentures | $4.60B |
| Other borrowed money to assets | 9.03% |
| Trading liabilities | $3.64B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.28% |
| Net loans and leases to deposits | 74.87% |
| Loans and leases to core deposits | 79.31% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 6.09% |
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 | 71.25% | 89.80% | $583.1M | $34.12B |
| Q4 2023 | 71.67% | 89.70% | $585.5M | $33.54B |
| Q1 2024 | 69.83% | 90.05% | $908.2M | $36.12B |
| Q2 2024 | 70.94% | 90.20% | $569.1M | $36.54B |
| Q3 2024 | 71.25% | 89.47% | $576.0M | $46.03B |
| Q4 2024 | 72.35% | 89.10% | $571.0M | $39.87B |
| Q1 2025 | 73.33% | 88.83% | $804.9M | $41.98B |
| Q2 2025 | 72.19% | 88.87% | $757.2M | $46.41B |
| Q3 2025 | 71.60% | 88.89% | $663.4M | $45.03B |
| Q4 2025 | 73.83% | 90.00% | $1.32B | $43.79B |
| Q1 2026 | 74.60% | 90.74% | $1.33B | $44.62B |
| Q2 2026 | 76.28% | 90.54% | $1.31B | $63.70B |
U.S. Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock U.S. Bank N.A., 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 U.S. Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6548) · FFIEC NIC profile (RSSD 504713)