How is Cash and securities to assets calculated?

RC (0081 + 0071 + carrying HTM + 1773) / 2170. Null policy: abstain if missing.

What source schedule does Cash and securities to assets come from?

RC, per official FFIEC Call Report instructions.

How many banks reported Cash and securities to assets for 2026-06-30?

4297 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

Is a higher value better?

Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.

How often does this metric update?

Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

Liquidity & funding · Versioned metric research

Cash and securities to assets

Reported cash and securities; not an LCR or unencumbered-liquidity measure. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

In plain English

Cash and securities to assets: what it shows

Cash, balances due from other banks and securities, counted at carrying value, as a share of total assets.

Where reporting institutions stand now

As of Q2 2026, 4,297 banks reported a verified value for cash and securities to assets. The median was 25.5%, the middle half of them fell between 17.2% and 37.5%, and the range from the 10th to the 90th percentile ran 11.9% to 51.8%.

Over the last four quarters the median moved from 23.9% in Q2 2025 to 25.5%, up 1.62 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 20.6% (Q2 2019) to 33.3% (Q4 2021).

Why it matters

Liquid assets are the first line of defense when depositors withdraw funds or when funding costs jump. The ratio shows how much of the balance sheet can be turned into cash without selling loans.

How to read it

A higher share means a larger cushion, usually at the cost of lower earnings because cash and securities yield less than loans. Compare with banks of similar size and loan mix.

What to watch for

Securities are counted at carrying value, so a bank holding securities with large unrealized losses may raise less cash than the ratio suggests. Securities pledged as collateral are not freely available either.

Common questions

Is a higher value better?: Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.
How often does this metric update?: Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

v3 definition42 quarters4297 current observationsRATIO unit

Calculation contract

`RC (0081 + 0071 + carrying HTM + 1773) / 2170`

Source schedule: RC

Null policy: abstain if missing

Effective: 2016-03-31 to 2026-06-30

How every metric is acquired, derived, and validated →

Definition history

Earlier versions of this metric

Each version is a distinct, dated definition — values are never silently recomputed under an older definition.

v2 · 2016-03-31 to 2026-06-30: RC (0081 + 0071 + carrying HTM + 1773) / 2170Null policy: abstain if missing
v1 · 2016-01-01 to superseded: (RC 0010 + RC-B 1754 + RC 1773) / RC 2170Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 4297 banks' reported cash and securities to assets values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.

Accessible line chart

Cash and securities to assets — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	23.546 percent	No marker	None
2016-12-31	24.147 percent	No marker	None
2017-03-31	23.655 percent	No marker	None
2017-06-30	22.909 percent	No marker	None
2017-09-30	22.374 percent	No marker	None
2017-12-31	22.952 percent	No marker	None
2018-03-31	22.622 percent	No marker	None
2018-06-30	21.798 percent	No marker	None
2018-09-30	21.346 percent	No marker	None
2018-12-31	21.801 percent	No marker	None
2019-03-31	21.043 percent	No marker	None
2019-06-30	20.605 percent	No marker	None
2019-09-30	21.389 percent	No marker	None
2019-12-31	21.885 percent	No marker	None
2020-03-31	23.324 percent	No marker	None
2020-06-30	24.478 percent	No marker	None
2020-09-30	25.368 percent	No marker	None
2020-12-31	27.893 percent	No marker	None
2021-03-31	29.782 percent	No marker	None
2021-06-30	31.15 percent	No marker	None
2021-09-30	33.097 percent	No marker	None
2021-12-31	33.282 percent	No marker	None
2022-03-31	31.299 percent	No marker	None
2022-06-30	28.552 percent	No marker	None
2022-09-30	25.877 percent	No marker	None
2022-12-31	25.47 percent	No marker	None
2023-03-31	25.262 percent	No marker	None
2023-06-30	24.601 percent	No marker	None
2023-09-30	24.255 percent	No marker	None
2023-12-31	25.553 percent	No marker	None
2024-03-31	25.189 percent	No marker	None
2024-06-30	24.839 percent	No marker	None
2024-09-30	25.59 percent	No marker	None
2024-12-31	25.352 percent	No marker	None
2025-03-31	25.146 percent	No marker	None
2025-06-30	23.919 percent	No marker	None
2025-09-30	21.673 percent	No marker	None
2025-12-31	21.544 percent	No marker	None
2026-03-31	21.63 percent	No marker	None
2026-06-30	25.542 percent	No marker	None

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.

Historical distribution

Cash and securities to assets across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period4,297 observations25.54% median17.16%–37.52% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4,297	11.85%	17.16%	25.54%	37.52%	51.84%
2026-03-31	1,052	12.11%	16.08%	21.63%	29.86%	40.80%
2025-12-31	1,057	11.60%	15.85%	21.54%	29.96%	40.91%
2025-09-30	1,054	11.89%	15.96%	21.67%	29.41%	40.29%
2025-06-30	154	14.50%	19.35%	23.92%	31.33%	42.76%
2025-03-31	157	15.20%	19.85%	25.15%	32.44%	44.22%
2024-12-31	158	14.75%	19.41%	25.35%	33.37%	44.16%
2024-09-30	158	15.13%	20.18%	25.59%	33.22%	44.27%
2024-06-30	155	14.59%	19.49%	24.84%	32.02%	43.97%
2024-03-31	157	14.94%	19.18%	25.19%	32.42%	44.08%
2023-12-31	158	15.14%	19.04%	25.55%	32.94%	44.00%
2023-09-30	156	14.39%	18.36%	24.25%	32.37%	43.83%
2023-06-30	156	14.89%	19.14%	24.60%	32.42%	44.10%
2023-03-31	160	15.65%	19.29%	25.26%	32.53%	44.91%
2022-12-31	158	14.07%	18.80%	25.47%	33.96%	50.32%
2022-09-30	158	13.64%	18.38%	25.88%	34.54%	49.81%
2022-06-30	159	14.63%	20.04%	28.55%	37.81%	51.11%
2022-03-31	160	16.03%	21.84%	31.30%	40.50%	52.11%
2021-12-31	160	15.81%	23.80%	33.28%	41.82%	58.84%
2021-09-30	162	16.99%	23.61%	33.10%	41.34%	53.85%
2021-06-30	160	17.28%	23.38%	31.15%	39.66%	56.75%
2021-03-31	158	16.56%	23.07%	29.78%	37.06%	51.32%
2020-12-31	151	15.95%	20.85%	27.89%	34.39%	53.34%
2020-09-30	151	14.93%	19.21%	25.37%	32.68%	51.30%
2020-06-30	148	15.79%	19.76%	24.48%	32.20%	48.71%
2020-03-31	144	14.46%	17.25%	23.32%	29.47%	47.27%
2019-12-31	140	12.66%	16.01%	21.89%	28.33%	39.32%
2019-09-30	143	12.63%	15.86%	21.39%	28.03%	40.34%
2019-06-30	141	13.32%	16.40%	20.61%	26.70%	41.34%
2019-03-31	141	12.90%	16.69%	21.04%	27.18%	43.01%
2018-12-31	137	13.89%	16.83%	21.80%	27.35%	43.09%
2018-09-30	138	13.55%	16.16%	21.35%	27.31%	43.06%
2018-06-30	134	13.55%	16.22%	21.80%	27.48%	42.61%
2018-03-31	132	13.93%	16.72%	22.62%	28.59%	43.92%
2017-12-31	123	14.45%	17.20%	22.95%	30.61%	42.79%
2017-09-30	125	14.65%	16.72%	22.37%	31.89%	41.41%
2017-06-30	121	14.38%	16.25%	22.91%	33.21%	44.45%
2017-03-31	118	14.06%	17.43%	23.65%	34.15%	47.02%
2016-12-31	114	12.77%	16.88%	24.15%	33.79%	50.32%
2016-09-30	114	13.05%	17.91%	23.55%	34.60%	48.21%

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.

Current distribution

Percentile history

Percentiles exclude unavailable values; they do not convert missing observations to zero.

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4297	11.85%	17.16%	25.54%	37.52%	51.84%
2026-03-31	1052	12.11%	16.08%	21.63%	29.86%	40.80%
2025-12-31	1057	11.60%	15.85%	21.54%	29.96%	40.91%
2025-09-30	1054	11.89%	15.96%	21.67%	29.41%	40.29%
2025-06-30	154	14.50%	19.35%	23.92%	31.33%	42.76%
2025-03-31	157	15.20%	19.85%	25.15%	32.44%	44.22%
2024-12-31	158	14.75%	19.41%	25.35%	33.37%	44.16%
2024-09-30	158	15.13%	20.18%	25.59%	33.22%	44.27%
2024-06-30	155	14.59%	19.49%	24.84%	32.02%	43.97%
2024-03-31	157	14.94%	19.18%	25.19%	32.42%	44.08%
2023-12-31	158	15.14%	19.04%	25.55%	32.94%	44.00%
2023-09-30	156	14.39%	18.36%	24.25%	32.37%	43.83%
2023-06-30	156	14.89%	19.14%	24.60%	32.42%	44.10%
2023-03-31	160	15.65%	19.29%	25.26%	32.53%	44.91%
2022-12-31	158	14.07%	18.80%	25.47%	33.96%	50.32%
2022-09-30	158	13.64%	18.38%	25.88%	34.54%	49.81%
2022-06-30	159	14.63%	20.04%	28.55%	37.81%	51.11%
2022-03-31	160	16.03%	21.84%	31.30%	40.50%	52.11%
2021-12-31	160	15.81%	23.80%	33.28%	41.82%	58.84%
2021-09-30	162	16.99%	23.61%	33.10%	41.34%	53.85%
2021-06-30	160	17.28%	23.38%	31.15%	39.66%	56.75%
2021-03-31	158	16.56%	23.07%	29.78%	37.06%	51.32%
2020-12-31	151	15.95%	20.85%	27.89%	34.39%	53.34%
2020-09-30	151	14.93%	19.21%	25.37%	32.68%	51.30%
2020-06-30	148	15.79%	19.76%	24.48%	32.20%	48.71%
2020-03-31	144	14.46%	17.25%	23.32%	29.47%	47.27%
2019-12-31	140	12.66%	16.01%	21.89%	28.33%	39.32%
2019-09-30	143	12.63%	15.86%	21.39%	28.03%	40.34%
2019-06-30	141	13.32%	16.40%	20.61%	26.70%	41.34%
2019-03-31	141	12.90%	16.69%	21.04%	27.18%	43.01%
2018-12-31	137	13.89%	16.83%	21.80%	27.35%	43.09%
2018-09-30	138	13.55%	16.16%	21.35%	27.31%	43.06%
2018-06-30	134	13.55%	16.22%	21.80%	27.48%	42.61%
2018-03-31	132	13.93%	16.72%	22.62%	28.59%	43.92%
2017-12-31	123	14.45%	17.20%	22.95%	30.61%	42.79%
2017-09-30	125	14.65%	16.72%	22.37%	31.89%	41.41%
2017-06-30	121	14.38%	16.25%	22.91%	33.21%	44.45%
2017-03-31	118	14.06%	17.43%	23.65%	34.15%	47.02%
2016-12-31	114	12.77%	16.88%	24.15%	33.79%	50.32%
2016-09-30	114	13.05%	17.91%	23.55%	34.60%	48.21%
2016-06-30	112	13.60%	17.56%	23.67%	33.12%	45.17%
2016-03-31	109	13.30%	18.32%	24.08%	33.86%	46.65%

Institution drilldown

Highest reported values

#1EMIGRANT MERCANTILE BANK100.00%
#2GREENE CNTY COMMERCIAL BANK99.00%
#3WSB MUNICIPAL BANK98.98%
#4CITICORP TRUST DELAWARE NA98.66%
#5U S BANK TRUST NA SD98.64%
#6DEUTSCHE BANK TR CO DELAWARE98.49%
#7DEPOSITORY TRUST CO98.31%
#8FIRST AMERICAN TRUST FSB98.28%
#9BMO HARRIS CENTRAL NA97.85%
#10STIFEL TRUST CO NA97.73%

Institution drilldown

Lowest reported values

#4288GATEWAY BANK1.13%
#4289BANK3601.07%
#4290LITTLE HORN STATE BANK1.04%
#4291BOSTON TRUST WALDEN NA0.80%
#4292GAINEY BUSINESS BANK0.49%
#4293FIDELITY PERSONAL TR CO FSB0.13%
#4294JOHN DEERE FINANCIAL FSB0.01%
#4295UMB BANK&TRUST NATIONAL ASSN0.00%
#4295NEUBERGER BERMAN TRUST CO NA0.00%
#4295NEUBERGER BERMAN TR CO DE NA0.00%

Institution discovery

Search verified rankings by quarter

4,297 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	EMIGRANT MERCANTILE BANK	57834	100.00%	P100
#2	GREENE CNTY COMMERCIAL BANK	57710	99.00%	P100
#3	WSB MUNICIPAL BANK	7274	98.98%	P100
#4	CITICORP TRUST DELAWARE NA	25677	98.66%	P100
#5	U S BANK TRUST NA SD	34813	98.64%	P100
#6	DEUTSCHE BANK TR CO DELAWARE	26392	98.49%	P100
#7	DEPOSITORY TRUST CO	90544	98.31%	P100
#8	FIRST AMERICAN TRUST FSB	26312	98.28%	P100
#9	BMO HARRIS CENTRAL NA	58216	97.85%	P100
#10	STIFEL TRUST CO NA	33785	97.73%	P100
#11	HOUSTON BANK&TRUST	59360	97.48%	P100
#12	JPMORGAN CHASE BANK DEARBORN	21761	97.41%	P100
#13	EREBOR BANK N A	59378	97.31%	P100
#14	WELLS FARGO DE TR CO NA	34465	97.27%	P100
#15	KEY NATIONAL TR CO OF DE	59069	97.17%	P100
#16	SUMITOMO MITSUI TR BK U SA	27054	96.97%	P100
#17	STIFEL TRUST CO DELAWARE NA	59043	96.93%	P100
#18	BESSEMER TR CO OF CA NA	35413	96.83%	P100
#19	HSBC TRUST CO DELAWARE NA	58188	96.81%	P100
#20	U S BANK TRUST NATIONAL ASSN	57047	95.90%	P100
#21	DEUTSCHE BANK TRUST CO NA	34056	95.86%	P100
#22	CHARLES SCHWAB TRUST BANK	59108	95.52%	P100
#23	LIBERTY BANK OF NEW JERSEY	59369	95.51%	P99
#24	TIAA TRUST NATIONAL ASSN	59344	95.08%	P99
#25	CREDIT FIRST NATIONAL ASSN	33855	94.84%	P99
#26	DAYFORCE NATIONAL TRUST BANK	59337	94.38%	P99
#27	DSRM NATIONAL BANK	34331	94.25%	P99
#28	CHARLES SCHWAB PREMIER BK SS	33497	92.78%	P99
#29	CORNERSTONE COMMUNITY BANK	59379	92.69%	P99
#30	ALVAREZ&MARSAL TRUST CO NA	59395	92.56%	P99
#31	WINTRUST PRIVATE TRUST CO NA	35063	92.46%	P99
#32	FARMERS STATE BANK	6156	92.23%	P99
#33	COLUMBUS STATE BANK	12305	92.15%	P99
#34	NORTHWESTERN MUTUAL WEALTH M	57093	92.07%	P99
#35	FIRST STATE BANK	16600	91.76%	P99
#36	JONESBORO STATE BANK	9325	90.65%	P99
#37	HIGHTOWER TRUST CO NA	59321	90.52%	P99
#38	PORTRAIT BANK	59381	90.31%	P99
#39	SYNOVUS TRUST CO NA	33962	89.88%	P99
#40	CEDAR HILL NATIONAL BANK	34478	89.88%	P99
#41	STATE STREET B&T CO NA	24938	89.00%	P99
#42	BESSEMER TRUST CO	20015	88.66%	P99
#43	AMERIPRISE BANK FSB	58303	88.62%	P99
#44	ADP TRUST CO NATIONAL ASSN	59194	88.41%	P99
#45	ZAVALA COUNTY BANK	15105	88.11%	P99
#46	FARMERS&MERCHANTS BANK	1745	87.91%	P99
#47	ECHELON BANK	59377	87.39%	P99
#48	OLD GLORY BANK	18924	86.93%	P99
#49	EVERCORE TRUST CO NA	58927	86.72%	P99
#50	PREFERRED LEGACY NATL TR BK	59357	86.66%	P99

Related metrics

Other definitions from the same schedule or domain

Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.

Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.