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?

1054 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

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 ↗

v3 definition42 quarters1054 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v1 · 2016-01-01 to superseded: (RC 0010 + RC-B 1754 + RC 1773) / RC 2170Null policy: abstain if missing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 1054 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	21.186 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 period1,054 observations21.19% median15.55%–29.19% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,054	11.92%	15.55%	21.19%	29.19%	40.52%
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	1054	11.92%	15.55%	21.19%	29.19%	40.52%
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

Institution drilldown

Lowest reported values

#1045UNIVERSITY BANK4.78%
#1046AMERICAN STATE BANK4.71%
#1047FEDERAL SAVINGS BANK4.65%
#1048ANCHORAGE DIGITAL BANK NA4.28%
#1049CHAMBERS BANK4.25%
#1050NORTHEAST COMMUNITY BANK4.21%
#1051FIRST BANK OF THE LAKE3.85%
#1052INDUSTRIAL&COMMERCIAL BK CHI3.15%
#1053FINANCIAL FEDERAL BANK2.86%
#1054JOHN DEERE FINANCIAL FSB0.01%

Institution discovery

Search verified rankings by quarter

1,054 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	GREENE CNTY COMMERCIAL BANK	57710	99.00%	P100
#2	DEPOSITORY TRUST CO	90544	98.31%	P100
#3	FIRST AMERICAN TRUST FSB	26312	98.28%	P100
#4	EREBOR BANK N A	59378	97.31%	P100
#5	SUMITOMO MITSUI TR BK U SA	27054	96.97%	P100
#6	CHARLES SCHWAB TRUST BANK	59108	95.52%	P100
#7	CHARLES SCHWAB PREMIER BK SS	33497	92.78%	P99
#8	JONESBORO STATE BANK	9325	90.65%	P99
#9	BESSEMER TRUST CO	20015	88.66%	P99
#10	AMERIPRISE BANK FSB	58303	88.62%	P99
#11	CHAIN BRIDGE BANK NA	58595	86.08%	P99
#12	WESTAMERICA BANK	3430	82.35%	P99
#13	GREEN DOT BK DBA BONNEVILLE	22653	79.93%	P99
#14	UNION COUNTY SAVINGS BANK	12013	77.70%	P99
#15	EL DORADO SAVINGS BANK FSB	30953	77.62%	P99
#16	U S BANK TRUST CO NA	34588	77.30%	P99
#17	MONET BANK	32574	76.49%	P98
#18	BANK OF UTICA	13397	73.48%	P98
#19	BANK OF NEW YORK MELLON	639	72.43%	P98
#20	CONVERSE COUNTY BANK	12591	70.90%	P98
#21	MIZUHO BANK USA	21843	70.53%	P98
#22	CHARLES SCHWAB BANK SSB	57450	70.46%	P98
#23	TD BANK USA NATIONAL ASSN	33947	70.45%	P98
#24	SAFRA NB OF NEW YORK	26876	68.92%	P98
#25	FARMERS&MERCHANTS BANK	16810	68.84%	P98
#26	SUTTON BANK	5962	68.18%	P98
#27	NORTHERN TRUST CO	913	66.93%	P98
#28	COLUMN NATIONAL ASSN	58224	66.74%	P97
#29	PRINCIPAL BANK	34507	66.56%	P97
#30	BANK OF LABOR	1874	63.73%	P97
#31	AMERICAN HERITAGE BANK	4190	62.96%	P97
#32	STATE STREET BANK&TRUST CO	14	62.07%	P97
#33	CRESCENT BANK	33492	60.73%	P97
#34	BESSEMER TRUST CO NA	21868	58.54%	P97
#35	FIRST FEDERAL BANK	31313	58.10%	P97
#36	BEAL BANK USA	57833	57.66%	P97
#37	FIRST STATE BANK OF UVALDE	9978	57.57%	P97
#38	FIRST AMERICAN BANK	3657	56.85%	P96
#39	WELLS FARGO TRUST CO NA	13718	56.44%	P96
#40	WEX BANK	34697	56.27%	P96
#41	USAA FEDERAL SAVINGS BANK	32188	55.25%	P96
#42	SMBC MANUBANK	18618	55.21%	P96
#43	CAPRA BANK	16363	55.01%	P96
#44	CONWAY NATIONAL BANK	2102	54.72%	P96
#45	UNITED BANK	172	54.49%	P96
#46	FIRST TEXAS BANK	11935	53.43%	P96
#47	RBC BANK GEORGIA NA	26342	53.24%	P96
#48	FIRST COMMAND BANK	34415	53.11%	P96
#49	BANCO POPULAR DE PUERTO RICO	34968	52.82%	P95
#50	FROST BANK	5510	51.74%	P95

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.