Liquidity & funding · Versioned metric research
Brokered deposits to domestic deposits
Domestic offices. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗
In plain English
Brokered deposits to domestic deposits: what it shows
Brokered deposits divided by domestic deposits. Brokered deposits are balances a bank gathers through third-party deposit brokers or listing services instead of directly from local customers.
Where reporting institutions stand now
As of Q2 2026, 4,240 banks reported a verified value for brokered deposits to domestic deposits. The median was 0.00%, the middle half of them fell between 0.00% and 4.32%, and the range from the 10th to the 90th percentile ran 0.00% to 12.2%.
Over the last four quarters the median moved from 4.52% in Q2 2025 to 0.00%, down 4.52 percentage points.
Across the 42 quarters on record, from Q1 2016, the median has ranged from 0.00% (Q2 2026) to 6.02% (Q4 2018).
Why it matters
Heavy reliance on brokered funding can mean a bank is paying up for deposits it cannot attract locally, and the money can leave faster than relationship deposits. Regulators also restrict brokered deposits for banks that are not well capitalized.
How to read it
Read it with the cost of funds and the uninsured share. A bank can hold brokered deposits deliberately, for example to manage growth, so a high ratio is a reason to look closer, not a verdict.
What to watch for
The Call Report item covers total brokered deposits and the definition has exceptions that change over time; the official FFIEC instructions linked on this page govern. Reciprocal and sweep arrangements are treated differently across banks.
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.
- Are brokered deposits always a warning sign?
- No. Some banks use them as a planned, diversified funding source. The risk is concentration and stability: balances placed purely for yield tend to move when a better rate appears, and rules limit them for banks that fall below well capitalized.
- 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.
Related: Research: brokered deposit reliance
Calculation contract
RC-E domestic 2365 / RC RCON2200
Source schedule: RCE, RC
Null policy: abstain if missing
Effective: 2016-03-31 to 2026-06-30
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-E domestic 2365 / RC RCON2200Null policy: abstain if missing- v1 · 2016-01-01 to superseded
RC-E 2365 / RC-E 2200Null policy: abstain if missing
Percentiles describe position, not merit.
P10 through P90 below mark where 4240 banks' reported brokered deposits to domestic deposits 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
Brokered deposits to domestic deposits — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2016-09-30 | 5.525 percent | No marker | None |
| 2016-12-31 | 5.544 percent | No marker | None |
| 2017-03-31 | 4.963 percent | No marker | None |
| 2017-06-30 | 5.277 percent | No marker | None |
| 2017-09-30 | 5.229 percent | No marker | None |
| 2017-12-31 | 5.815 percent | No marker | None |
| 2018-03-31 | 5.398 percent | No marker | None |
| 2018-06-30 | 5.837 percent | No marker | None |
| 2018-09-30 | 5.623 percent | No marker | None |
| 2018-12-31 | 6.022 percent | No marker | None |
| 2019-03-31 | 5.719 percent | No marker | None |
| 2019-06-30 | 5.416 percent | No marker | None |
| 2019-09-30 | 5.085 percent | No marker | None |
| 2019-12-31 | 4.984 percent | No marker | None |
| 2020-03-31 | 4.765 percent | No marker | None |
| 2020-06-30 | 4.207 percent | No marker | None |
| 2020-09-30 | 3.818 percent | No marker | None |
| 2020-12-31 | 3.419 percent | No marker | None |
| 2021-03-31 | 3.09 percent | No marker | None |
| 2021-06-30 | 2.167 percent | No marker | None |
| 2021-09-30 | 1.307 percent | No marker | None |
| 2021-12-31 | 1.064 percent | No marker | None |
| 2022-03-31 | 0.96 percent | No marker | None |
| 2022-06-30 | 1.128 percent | No marker | None |
| 2022-09-30 | 1.987 percent | No marker | None |
| 2022-12-31 | 2.974 percent | No marker | None |
| 2023-03-31 | 4.154 percent | No marker | None |
| 2023-06-30 | 5.75 percent | No marker | None |
| 2023-09-30 | 5.152 percent | No marker | None |
| 2023-12-31 | 5.085 percent | No marker | None |
| 2024-03-31 | 4.681 percent | No marker | None |
| 2024-06-30 | 4.481 percent | No marker | None |
| 2024-09-30 | 5.066 percent | No marker | None |
| 2024-12-31 | 4.237 percent | No marker | None |
| 2025-03-31 | 3.995 percent | No marker | None |
| 2025-06-30 | 4.521 percent | No marker | None |
| 2025-09-30 | 2.914 percent | No marker | None |
| 2025-12-31 | 2.626 percent | No marker | None |
| 2026-03-31 | 2.366 percent | No marker | None |
| 2026-06-30 | 0 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
Brokered deposits to domestic deposits across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 4,240 | 0.00% | 0.00% | 0.00% | 4.32% | 12.19% |
| 2026-03-31 | 1,046 | 0.00% | 0.00% | 2.37% | 8.52% | 17.20% |
| 2025-12-31 | 1,052 | 0.00% | 0.00% | 2.63% | 8.92% | 17.64% |
| 2025-09-30 | 1,049 | 0.00% | 0.00% | 2.91% | 8.86% | 17.96% |
| 2025-06-30 | 154 | 0.00% | 1.43% | 4.52% | 9.30% | 22.13% |
| 2025-03-31 | 157 | 0.00% | 0.94% | 4.00% | 9.40% | 22.10% |
| 2024-12-31 | 158 | 0.00% | 0.76% | 4.24% | 10.25% | 21.19% |
| 2024-09-30 | 158 | 0.00% | 0.92% | 5.07% | 11.53% | 21.20% |
| 2024-06-30 | 155 | 0.00% | 0.82% | 4.48% | 10.62% | 22.66% |
| 2024-03-31 | 157 | 0.00% | 1.19% | 4.68% | 11.17% | 20.89% |
| 2023-12-31 | 158 | 0.00% | 1.05% | 5.09% | 12.97% | 24.40% |
| 2023-09-30 | 156 | 0.00% | 1.39% | 5.15% | 12.42% | 22.84% |
| 2023-06-30 | 156 | 0.00% | 1.58% | 5.75% | 12.12% | 21.35% |
| 2023-03-31 | 160 | 0.00% | 1.04% | 4.15% | 10.61% | 19.35% |
| 2022-12-31 | 158 | 0.00% | 0.13% | 2.97% | 8.06% | 16.80% |
| 2022-09-30 | 158 | 0.00% | 0.04% | 1.99% | 6.49% | 14.31% |
| 2022-06-30 | 159 | 0.00% | 0.03% | 1.13% | 5.26% | 11.43% |
| 2022-03-31 | 160 | 0.00% | 0.04% | 0.96% | 4.22% | 8.48% |
| 2021-12-31 | 160 | 0.00% | 0.05% | 1.06% | 4.52% | 10.31% |
| 2021-09-30 | 162 | 0.00% | 0.05% | 1.31% | 5.36% | 10.94% |
| 2021-06-30 | 160 | 0.00% | 0.12% | 2.17% | 5.89% | 12.75% |
| 2021-03-31 | 158 | 0.00% | 0.39% | 3.09% | 6.58% | 15.53% |
| 2020-12-31 | 151 | 0.00% | 0.61% | 3.42% | 7.64% | 15.71% |
| 2020-09-30 | 151 | 0.04% | 0.82% | 3.82% | 8.41% | 19.81% |
| 2020-06-30 | 148 | 0.03% | 1.05% | 4.21% | 9.67% | 18.34% |
| 2020-03-31 | 144 | 0.06% | 1.72% | 4.77% | 10.28% | 18.50% |
| 2019-12-31 | 140 | 0.18% | 1.40% | 4.98% | 9.03% | 19.60% |
| 2019-09-30 | 143 | 0.07% | 1.80% | 5.09% | 9.54% | 19.93% |
| 2019-06-30 | 141 | 0.06% | 1.63% | 5.42% | 10.38% | 19.47% |
| 2019-03-31 | 141 | 0.12% | 2.00% | 5.72% | 10.89% | 18.14% |
| 2018-12-31 | 137 | 0.09% | 1.75% | 6.02% | 10.98% | 22.30% |
| 2018-09-30 | 138 | 0.10% | 1.62% | 5.62% | 9.41% | 22.03% |
| 2018-06-30 | 134 | 0.14% | 1.74% | 5.84% | 10.38% | 21.31% |
| 2018-03-31 | 132 | 0.29% | 1.89% | 5.40% | 10.86% | 19.98% |
| 2017-12-31 | 123 | 0.28% | 2.04% | 5.81% | 11.38% | 22.09% |
| 2017-09-30 | 125 | 0.12% | 2.15% | 5.23% | 10.91% | 20.21% |
| 2017-06-30 | 121 | 0.13% | 1.85% | 5.28% | 12.70% | 22.31% |
| 2017-03-31 | 118 | 0.21% | 1.72% | 4.96% | 11.66% | 26.13% |
| 2016-12-31 | 114 | 0.29% | 1.94% | 5.54% | 12.54% | 31.10% |
| 2016-09-30 | 114 | 0.27% | 1.87% | 5.53% | 12.68% | 30.44% |
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 | 4240 | 0.00% | 0.00% | 0.00% | 4.32% | 12.19% |
| 2026-03-31 | 1046 | 0.00% | 0.00% | 2.37% | 8.52% | 17.20% |
| 2025-12-31 | 1052 | 0.00% | 0.00% | 2.63% | 8.92% | 17.64% |
| 2025-09-30 | 1049 | 0.00% | 0.00% | 2.91% | 8.86% | 17.96% |
| 2025-06-30 | 154 | 0.00% | 1.43% | 4.52% | 9.30% | 22.13% |
| 2025-03-31 | 157 | 0.00% | 0.94% | 4.00% | 9.40% | 22.10% |
| 2024-12-31 | 158 | 0.00% | 0.76% | 4.24% | 10.25% | 21.19% |
| 2024-09-30 | 158 | 0.00% | 0.92% | 5.07% | 11.53% | 21.20% |
| 2024-06-30 | 155 | 0.00% | 0.82% | 4.48% | 10.62% | 22.66% |
| 2024-03-31 | 157 | 0.00% | 1.19% | 4.68% | 11.17% | 20.89% |
| 2023-12-31 | 158 | 0.00% | 1.05% | 5.09% | 12.97% | 24.40% |
| 2023-09-30 | 156 | 0.00% | 1.39% | 5.15% | 12.42% | 22.84% |
| 2023-06-30 | 156 | 0.00% | 1.58% | 5.75% | 12.12% | 21.35% |
| 2023-03-31 | 160 | 0.00% | 1.04% | 4.15% | 10.61% | 19.35% |
| 2022-12-31 | 158 | 0.00% | 0.13% | 2.97% | 8.06% | 16.80% |
| 2022-09-30 | 158 | 0.00% | 0.04% | 1.99% | 6.49% | 14.31% |
| 2022-06-30 | 159 | 0.00% | 0.03% | 1.13% | 5.26% | 11.43% |
| 2022-03-31 | 160 | 0.00% | 0.04% | 0.96% | 4.22% | 8.48% |
| 2021-12-31 | 160 | 0.00% | 0.05% | 1.06% | 4.52% | 10.31% |
| 2021-09-30 | 162 | 0.00% | 0.05% | 1.31% | 5.36% | 10.94% |
| 2021-06-30 | 160 | 0.00% | 0.12% | 2.17% | 5.89% | 12.75% |
| 2021-03-31 | 158 | 0.00% | 0.39% | 3.09% | 6.58% | 15.53% |
| 2020-12-31 | 151 | 0.00% | 0.61% | 3.42% | 7.64% | 15.71% |
| 2020-09-30 | 151 | 0.04% | 0.82% | 3.82% | 8.41% | 19.81% |
| 2020-06-30 | 148 | 0.03% | 1.05% | 4.21% | 9.67% | 18.34% |
| 2020-03-31 | 144 | 0.06% | 1.72% | 4.77% | 10.28% | 18.50% |
| 2019-12-31 | 140 | 0.18% | 1.40% | 4.98% | 9.03% | 19.60% |
| 2019-09-30 | 143 | 0.07% | 1.80% | 5.09% | 9.54% | 19.93% |
| 2019-06-30 | 141 | 0.06% | 1.63% | 5.42% | 10.38% | 19.47% |
| 2019-03-31 | 141 | 0.12% | 2.00% | 5.72% | 10.89% | 18.14% |
| 2018-12-31 | 137 | 0.09% | 1.75% | 6.02% | 10.98% | 22.30% |
| 2018-09-30 | 138 | 0.10% | 1.62% | 5.62% | 9.41% | 22.03% |
| 2018-06-30 | 134 | 0.14% | 1.74% | 5.84% | 10.38% | 21.31% |
| 2018-03-31 | 132 | 0.29% | 1.89% | 5.40% | 10.86% | 19.98% |
| 2017-12-31 | 123 | 0.28% | 2.04% | 5.81% | 11.38% | 22.09% |
| 2017-09-30 | 125 | 0.12% | 2.15% | 5.23% | 10.91% | 20.21% |
| 2017-06-30 | 121 | 0.13% | 1.85% | 5.28% | 12.70% | 22.31% |
| 2017-03-31 | 118 | 0.21% | 1.72% | 4.96% | 11.66% | 26.13% |
| 2016-12-31 | 114 | 0.29% | 1.94% | 5.54% | 12.54% | 31.10% |
| 2016-09-30 | 114 | 0.27% | 1.87% | 5.53% | 12.68% | 30.44% |
| 2016-06-30 | 112 | 0.25% | 1.66% | 5.72% | 11.44% | 25.30% |
| 2016-03-31 | 109 | 0.24% | 1.93% | 5.19% | 12.18% | 32.99% |
Institution drilldown
Highest reported values
- #1VERSABANK USA NATIONAL ASSN100.00%
- #2HATCH BANK99.91%
- #3EAGLEMARK SAVINGS BANK99.43%
- #4COMENITY BANK99.09%
- #5MEDALLION BANK97.19%
- #6TEXAS EXCHANGE BANK96.20%
- #7CELTIC BANK90.52%
- #8JONESBORO STATE BANK89.28%
- #9BMW BANK OF NORTH AMERICA84.79%
- #10TCM BANK NATIONAL ASSN84.33%
Institution drilldown
Lowest reported values
Institution discovery
Search verified rankings by quarter
4,240 matched institutions · selected period 2026-06-30
| Rank | Institution | FDIC | Value | Percentile |
|---|---|---|---|---|
| #1 | VERSABANK USA NATIONAL ASSN | 10160 | 100.00% | P100 |
| #2 | HATCH BANK | 25803 | 99.91% | P100 |
| #3 | EAGLEMARK SAVINGS BANK | 34313 | 99.43% | P100 |
| #4 | COMENITY BANK | 27499 | 99.09% | P100 |
| #5 | MEDALLION BANK | 57449 | 97.19% | P100 |
| #6 | TEXAS EXCHANGE BANK | 20099 | 96.20% | P100 |
| #7 | CELTIC BANK | 57056 | 90.52% | P100 |
| #8 | JONESBORO STATE BANK | 9325 | 89.28% | P100 |
| #9 | BMW BANK OF NORTH AMERICA | 35141 | 84.79% | P100 |
| #10 | TCM BANK NATIONAL ASSN | 34535 | 84.33% | P100 |
| #11 | MILESTONE BANK | 58148 | 81.79% | P100 |
| #12 | MERRICK BANK | 34519 | 79.00% | P100 |
| #13 | WEBBANK | 34404 | 78.97% | P100 |
| #14 | TOYOTA FINANCIAL SB | 57542 | 78.88% | P100 |
| #15 | 1ST FINANCIAL BANK USA | 1673 | 76.36% | P100 |
| #16 | METHOD BANK | 2317 | 66.82% | P100 |
| #17 | FINWISE BANK | 35323 | 61.65% | P100 |
| #18 | GENERATIONS COMMUNITY BANK | 59365 | 60.97% | P100 |
| #19 | NORTHPOINTE BANK | 34953 | 60.80% | P100 |
| #20 | FARMERS&MERCHANTS BANK | 16810 | 59.79% | P100 |
| #21 | FIRST BANK OF THE LAKE | 26960 | 56.55% | P100 |
| #22 | OPTUS BANK | 35241 | 55.06% | P100 |
| #23 | TWIN CITY BANK | 35261 | 51.42% | P99 |
| #24 | FARMERS&MERCHANTS BANK | 15779 | 51.30% | P99 |
| #25 | EREBOR BANK N A | 59378 | 50.48% | P99 |
| #26 | STRYV BANK | 21955 | 46.97% | P99 |
| #27 | NORTHEAST BANK | 19690 | 46.91% | P99 |
| #28 | FIELDPOINT PRIVATE B&T | 58741 | 46.47% | P99 |
| #29 | STEARNS BANK NATIONAL ASSN | 10988 | 46.04% | P99 |
| #30 | BEAL BANK USA | 57833 | 44.33% | P99 |
| #31 | FIRST NB OF AMERICA | 17438 | 43.40% | P99 |
| #32 | HERITAGE BANK | 18463 | 42.68% | P99 |
| #33 | STATE BANK OF REESEVILLE | 14960 | 42.57% | P99 |
| #34 | ST LOUIS BANK | 58018 | 42.18% | P99 |
| #35 | CROSS RIVER BANK | 58410 | 42.14% | P99 |
| #36 | ENTERPRISE BANK | 34786 | 41.31% | P99 |
| #37 | AMERICAN NB FOX CITIES | 33812 | 40.81% | P99 |
| #38 | SALLIE MAE BANK | 58177 | 40.56% | P99 |
| #39 | FIRST FEDERAL S&L BANK | 28635 | 40.18% | P99 |
| #40 | CENTRAL BANK | 1756 | 39.85% | P99 |
| #41 | CUMBERLAND FEDERAL BANK FSB | 29293 | 39.74% | P99 |
| #42 | FIRST CREDIT BANK | 24332 | 39.22% | P99 |
| #43 | DAYSPRING BANK | 13622 | 38.80% | P99 |
| #44 | MONET BANK | 32574 | 38.65% | P99 |
| #45 | PARAMOUNT BANK | 57884 | 38.19% | P99 |
| #46 | UNITED BANKERS BANK | 22180 | 38.09% | P99 |
| #47 | INB NATIONAL ASSN | 3664 | 37.57% | P99 |
| #48 | EAGLE BANK | 58282 | 37.21% | P99 |
| #49 | COMMERCE BANK | 10212 | 37.01% | P99 |
| #50 | LAKESIDE BANK | 21693 | 36.56% | 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.