USAA Federal Savings 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 Loans and leases to core deposits: 3.64 percentage points higher than in Q1 2026, at 50.71%. On loan-to-deposit ratio, USAA Federal Savings Bank is 2nd from the bottom among 12 Arizona banks, 50.25% (Q2 2026). The median for banks in the $100B-250B asset tier is 81.12% on loan-to-deposit ratio. USAA Federal Savings Bank sits 30.86 points lower, at 50.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.16B |
| Cash and noninterest-bearing balances to assets | 9.57% |
| Cash and securities | $58.68B |
| 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 | $6.31B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.25% |
| Net loans and leases to deposits | 48.19% |
| Loans and leases to core deposits | 50.71% |
| Core deposits to total deposits | 99.06% |
| Brokered deposits to total deposits | 0.03% |
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 | 45.30% | 97.77% | $0 | $6.95B |
| Q4 2023 | 45.96% | 97.11% | $0 | $6.75B |
| Q1 2024 | 43.75% | 97.05% | $0 | $7.38B |
| Q2 2024 | 45.16% | 96.86% | $0 | $7.51B |
| Q3 2024 | 46.79% | 97.11% | $0 | $8.57B |
| Q4 2024 | 47.04% | 97.52% | $0 | $7.24B |
| Q1 2025 | 44.96% | 98.28% | $0 | $7.12B |
| Q2 2025 | 47.45% | 98.54% | $0 | $6.96B |
| Q3 2025 | 48.59% | 98.75% | $0 | $7.18B |
| Q4 2025 | 48.23% | 98.70% | $0 | $7.43B |
| Q1 2026 | 46.64% | 99.04% | $0 | $7.29B |
| Q2 2026 | 50.25% | 99.06% | $0 | $6.31B |
USAA Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock USAA Federal Savings 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 USAA Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32188) · FFIEC NIC profile (RSSD 619877)