How is Deposit funding ratio calculated?

DEP / ASSET. Null policy: abstain if missing.

What source schedule does Deposit funding ratio come from?

Not derivable from this formula alone; see the definition version history on this page.

How many banks reported Deposit funding ratio for 2026-06-30?

1067 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

Deposit funding ratio

Deposit funding ratio, derived from DEP / ASSET. Open official FFIEC instructions ↗

v1 definition2 quarters1067 current observationsRATIO unit

Calculation contract

`DEP / ASSET`

Source schedule: Not derivable from this formula

Null policy: abstain if missing

Effective: 2016-01-01 to current

How every metric is acquired, derived, and validated →

Reading this page

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.

2026-06-30 latest period1,067 observations84.48% median80.32%–87.40% interquartile range

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

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	BRANNEN BANK	5676	96.22%	P100
#2	CITIZENS BANK&TRUST	5673	94.44%	P100
#3	FIRST AMERICAN TRUST FSB	26312	94.27%	P100
#4	PRINCIPAL BANK	34507	94.13%	P100
#5	AMERIPRISE BANK FSB	58303	93.96%	P100
#6	BANK OF LABOR	1874	93.72%	P100
#7	STIFEL BANK	57358	93.46%	P99
#8	BESSEMER TRUST CO	20015	93.38%	P99
#9	JONESBORO STATE BANK	9325	92.96%	P99
#10	BANCO POPULAR DE PUERTO RICO	34968	92.71%	P99
#11	GREEN DOT BK DBA BONNEVILLE	22653	92.58%	P99
#12	ADIRONDACK BANK	28380	92.37%	P99
#13	PEOPLESSOUTH BANK	21292	92.12%	P99
#14	CHARLES SCHWAB TRUST BANK	59108	92.09%	P99
#15	CHARLES SCHWAB PREMIER BK SS	33497	92.02%	P99
#16	TRISTATE CAPITAL BANK	58457	92.00%	P99
#17	LIVE OAK BANKING CO	58665	91.98%	P98
#18	CITIZENS BANK&TRUST	57483	91.81%	P98
#19	PORT WASHINGTON STATE BANK	8698	91.78%	P98
#20	CARROLLTON BANK	12383	91.65%	P98
#21	SOUTHPOINT BANK	58088	91.65%	P98
#22	HERITAGE BANK INC	33119	91.58%	P98
#23	CHAIN BRIDGE BANK NA	58595	91.53%	P98
#24	STRIDE BANK NATIONAL ASSN	4091	91.49%	P98
#25	BANK OF GUAM	20884	91.47%	P98
#26	PATRIOT BANK NATIONAL ASSN	33928	91.42%	P98
#27	FIRST NATIONAL BANK	6811	91.42%	P98
#28	EMBASSY BK LEHIGH VALLEY	57228	91.29%	P97
#29	AUBURNBANK	35	91.29%	P97
#30	UNION COUNTY SAVINGS BANK	12013	91.28%	P97
#31	COMMERCEONE BANK	59114	91.27%	P97
#32	BANK OF CENTRAL FLORIDA	58479	91.21%	P97
#33	SABINE STATE BANK&TRUST CO	8141	91.11%	P97
#34	FIVE POINTS BANK	20488	91.08%	P97
#35	ARMSTRONG BANK	2315	91.08%	P97
#36	SOUTHERN BANK&TRUST CO	15359	91.03%	P97
#37	AMERICAN SB NA	32526	91.01%	P97
#38	CNB BANK	2241	90.95%	P97
#39	LYONS NATIONAL BANK	7151	90.88%	P96
#40	DEERWOOD BANK	5123	90.81%	P96
#41	COMMUNITY BANK OF MS	8879	90.80%	P96
#42	RAYMOND JAMES BANK	33893	90.77%	P96
#43	BANK OF THE JAMES	35207	90.76%	P96
#44	FARMERS&MERCHANTS BANK	8668	90.76%	P96
#45	BENCHMARK BANK	19215	90.68%	P96
#46	CITIZENS BANK	17211	90.65%	P96
#47	COASTAL CAROLINA NB	58864	90.54%	P96
#48	FIRST NB OF BASTROP	3091	90.48%	P96
#49	ENCORE BANK	34562	90.48%	P95
#50	WOODFOREST NATIONAL BANK	23220	90.45%	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.