Liquidity & funding · Versioned metric research
Deposit funding ratio
Deposit funding ratio, derived from DEP / ASSET. Open official FFIEC instructions ↗
In plain English
Deposit funding ratio: what it shows
Total deposits divided by total assets: how much of the balance sheet is funded by deposits.
Where reporting institutions stand now
As of Q2 2026, 1,067 banks reported a verified value for deposit funding ratio. The median was 84.5%, the middle half of them fell between 80.3% and 87.4%, and the range from the 10th to the 90th percentile ran 75.2% to 89.3%.
Why it matters
Deposits are usually the cheapest and most stable funding a bank has. The rest of the balance sheet is funded by equity and borrowings.
How to read it
A higher share means less reliance on borrowings. Compare with banks of similar size, and read it with the loan-to-deposit ratio.
What to watch for
The ratio does not distinguish stable relationship deposits from rate-sensitive or uninsured balances.
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.
Related: Deposit cost and beta
Calculation contract
DEP / ASSET
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2016-01-01 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 1067 banks' reported deposit funding ratio 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
Deposit funding ratio — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2026-03-31 | 84.928 percent | No marker | None |
| 2026-06-30 | 84.483 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
Deposit funding ratio 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 | 1,067 | 75.22% | 80.32% | 84.48% | 87.40% | 89.30% |
| 2026-03-31 | 1,065 | 75.49% | 80.53% | 84.93% | 87.69% | 89.72% |
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 | 1067 | 75.22% | 80.32% | 84.48% | 87.40% | 89.30% |
| 2026-03-31 | 1065 | 75.49% | 80.53% | 84.93% | 87.69% | 89.72% |
Institution drilldown
Highest reported values
- #1BRANNEN BANK96.22%
- #2CITIZENS BANK&TRUST94.44%
- #3FIRST AMERICAN TRUST FSB94.27%
- #4PRINCIPAL BANK94.13%
- #5AMERIPRISE BANK FSB93.96%
- #6BANK OF LABOR93.72%
- #7STIFEL BANK93.46%
- #8BESSEMER TRUST CO93.38%
- #9JONESBORO STATE BANK92.96%
- #10BANCO POPULAR DE PUERTO RICO92.71%
Institution drilldown
Lowest reported values
- #1058SQUARE FINL SERVICES INC27.19%
- #1059BEAL BANK USA14.94%
- #1060BANK OF NY MELLON TR CO NA0.16%
- #1061WELLS FARGO TRUST CO NA0.00%
- #1061BLACKROCK INSTL TR CO NA0.00%
- #1061ALLIED IRISH BANKS0.00%
- #1061U S BANK TRUST CO NA0.00%
- #1061COMPUTERSHARE TRUST CO NA0.00%
- #1061ANCHORAGE DIGITAL BANK NA0.00%
- #1061DEPOSITORY TRUST CO0.00%
Institution discovery
Search verified rankings by quarter
1,067 matched institutions · selected period 2026-06-30
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.