Industry deposit-weighted beta
43.0%420 institutions, all covered asset bands
up-rate cycleCost and beta
LiveWhat your deposits actually cost, and how much of a Fed move you're passing through.
Effective deposit cost and deposit beta, computed from Schedule RI interest expense and Schedule RC-K average balances, cross-checked against the FFIEC's own UBPR formula. Detailed coverage is deepest for institutions above $10B in assets today; coverage for smaller institutions is being backfilled.
Industry benchmark, this quarter
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How this is computed
Deposit beta is the share of a Fed funds rate move that shows up in an institution’s own effective deposit cost. It is derived from Schedule RI interest expense on deposits over Schedule RC-K average interest-bearing deposit balances, the same underlying fields the FFIEC’s own UBPR uses for its Asset Yields and Funding Costs section, cross-checked against that published formula rather than a method this product invented on its own.
Want this for your own institution, compared against real peers
The free Deposit Gap Report compares your institution against 25 real peers, not just the industry average.