Balance sheet · Versioned metric research
Domestic loans 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
Domestic loans to domestic deposits: what it shows
Domestic loans and leases divided by domestic deposits: how much of customer deposits the bank has lent out.
Where reporting institutions stand now
As of Q2 2026, 4,240 banks reported a verified value for domestic loans to domestic deposits. The median was 81.6%, the middle half of them fell between 67.0% and 92.6%, and the range from the 10th to the 90th percentile ran 50.6% to 101.8%.
Over the last four quarters the median moved from 83.8% in Q2 2025 to 81.6%, down 2.17 percentage points.
Across the 42 quarters on record, from Q1 2016, the median has ranged from 70.8% (Q4 2021) to 92.0% (Q2 2019).
Why it matters
It is the quickest read on liquidity and funding posture. A ratio near or above 100% means loans are funded partly by borrowings or other non-deposit sources.
How to read it
A higher ratio means less liquidity cushion and more earning assets in loans; a lower ratio means more deposits sit in cash and securities. Compare with banks of similar size and market.
What to watch for
The ratio ignores borrowings, unfunded commitments and the stability of the deposits themselves, so two banks with the same ratio can have very different funding risk.
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.
Calculation contract
RC-C I RCON2122 / RC RCON2200
Source schedule: 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RC-C I RCON2122 / RC RCON2200Null policy: abstain if missing- v1 · 2016-01-01 to superseded
RC 2122 / RC-E 2200Null policy: abstain if missing
Percentiles describe position, not merit.
P10 through P90 below mark where 4240 banks' reported domestic loans 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
Domestic loans to domestic deposits — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2016-09-30 | 87.674 percent | No marker | None |
| 2016-12-31 | 87.138 percent | No marker | None |
| 2017-03-31 | 87.245 percent | No marker | None |
| 2017-06-30 | 89.367 percent | No marker | None |
| 2017-09-30 | 90.745 percent | No marker | None |
| 2017-12-31 | 89.841 percent | No marker | None |
| 2018-03-31 | 90.198 percent | No marker | None |
| 2018-06-30 | 91.313 percent | No marker | None |
| 2018-09-30 | 91.972 percent | No marker | None |
| 2018-12-31 | 89.998 percent | No marker | None |
| 2019-03-31 | 90.962 percent | No marker | None |
| 2019-06-30 | 92.05 percent | No marker | None |
| 2019-09-30 | 90.634 percent | No marker | None |
| 2019-12-31 | 89.831 percent | No marker | None |
| 2020-03-31 | 88.495 percent | No marker | None |
| 2020-06-30 | 84.47 percent | No marker | None |
| 2020-09-30 | 82.057 percent | No marker | None |
| 2020-12-31 | 78.612 percent | No marker | None |
| 2021-03-31 | 75.83 percent | No marker | None |
| 2021-06-30 | 74.16 percent | No marker | None |
| 2021-09-30 | 72.409 percent | No marker | None |
| 2021-12-31 | 70.789 percent | No marker | None |
| 2022-03-31 | 71.711 percent | No marker | None |
| 2022-06-30 | 75.823 percent | No marker | None |
| 2022-09-30 | 78.985 percent | No marker | None |
| 2022-12-31 | 80.962 percent | No marker | None |
| 2023-03-31 | 82.895 percent | No marker | None |
| 2023-06-30 | 83.729 percent | No marker | None |
| 2023-09-30 | 82.699 percent | No marker | None |
| 2023-12-31 | 83.068 percent | No marker | None |
| 2024-03-31 | 82.882 percent | No marker | None |
| 2024-06-30 | 83.357 percent | No marker | None |
| 2024-09-30 | 82.753 percent | No marker | None |
| 2024-12-31 | 82.686 percent | No marker | None |
| 2025-03-31 | 82.621 percent | No marker | None |
| 2025-06-30 | 83.77 percent | No marker | None |
| 2025-09-30 | 86.627 percent | No marker | None |
| 2025-12-31 | 87.029 percent | No marker | None |
| 2026-03-31 | 86.604 percent | No marker | None |
| 2026-06-30 | 81.597 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
Domestic loans 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 | 50.57% | 66.95% | 81.60% | 92.60% | 101.79% |
| 2026-03-31 | 1,046 | 62.73% | 75.96% | 86.60% | 95.37% | 102.53% |
| 2025-12-31 | 1,052 | 63.10% | 75.74% | 87.03% | 95.58% | 103.27% |
| 2025-09-30 | 1,049 | 63.83% | 76.23% | 86.63% | 95.24% | 102.72% |
| 2025-06-30 | 154 | 54.19% | 73.22% | 83.77% | 90.18% | 97.78% |
| 2025-03-31 | 157 | 53.46% | 73.39% | 82.62% | 89.60% | 97.61% |
| 2024-12-31 | 158 | 50.55% | 72.39% | 82.69% | 89.66% | 97.32% |
| 2024-09-30 | 158 | 55.18% | 73.63% | 82.75% | 91.00% | 98.33% |
| 2024-06-30 | 155 | 58.52% | 74.25% | 83.36% | 92.45% | 99.92% |
| 2024-03-31 | 157 | 52.03% | 73.25% | 82.88% | 92.87% | 99.28% |
| 2023-12-31 | 158 | 48.40% | 73.69% | 83.07% | 93.23% | 101.33% |
| 2023-09-30 | 156 | 50.96% | 74.84% | 82.70% | 93.67% | 101.27% |
| 2023-06-30 | 156 | 53.87% | 74.57% | 83.73% | 94.61% | 102.92% |
| 2023-03-31 | 160 | 49.64% | 73.52% | 82.90% | 96.31% | 102.60% |
| 2022-12-31 | 158 | 44.87% | 70.96% | 80.96% | 92.14% | 103.09% |
| 2022-09-30 | 158 | 46.03% | 68.16% | 78.99% | 91.12% | 102.32% |
| 2022-06-30 | 159 | 45.76% | 63.61% | 75.82% | 89.52% | 100.68% |
| 2022-03-31 | 160 | 43.15% | 61.37% | 71.71% | 84.51% | 99.75% |
| 2021-12-31 | 160 | 38.88% | 60.48% | 70.79% | 83.66% | 100.86% |
| 2021-09-30 | 162 | 43.06% | 60.40% | 72.41% | 82.04% | 98.05% |
| 2021-06-30 | 160 | 42.81% | 63.48% | 74.16% | 82.89% | 97.88% |
| 2021-03-31 | 158 | 45.18% | 66.82% | 75.83% | 84.61% | 96.37% |
| 2020-12-31 | 151 | 44.01% | 68.99% | 78.61% | 88.20% | 101.07% |
| 2020-09-30 | 151 | 46.01% | 71.29% | 82.06% | 91.21% | 103.35% |
| 2020-06-30 | 148 | 49.54% | 73.49% | 84.47% | 92.22% | 102.13% |
| 2020-03-31 | 144 | 56.78% | 76.57% | 88.50% | 97.82% | 104.49% |
| 2019-12-31 | 140 | 61.17% | 80.02% | 89.83% | 97.43% | 112.30% |
| 2019-09-30 | 143 | 60.00% | 81.03% | 90.63% | 97.52% | 109.03% |
| 2019-06-30 | 141 | 59.18% | 81.81% | 92.05% | 97.75% | 109.75% |
| 2019-03-31 | 141 | 58.83% | 81.49% | 90.96% | 97.46% | 117.38% |
| 2018-12-31 | 137 | 59.23% | 79.93% | 90.00% | 97.41% | 115.74% |
| 2018-09-30 | 138 | 59.46% | 82.30% | 91.97% | 97.89% | 115.74% |
| 2018-06-30 | 134 | 57.64% | 81.05% | 91.31% | 99.29% | 114.79% |
| 2018-03-31 | 132 | 56.72% | 79.76% | 90.20% | 97.17% | 113.64% |
| 2017-12-31 | 123 | 56.23% | 78.28% | 89.84% | 96.87% | 113.56% |
| 2017-09-30 | 125 | 57.03% | 79.07% | 90.74% | 97.96% | 112.56% |
| 2017-06-30 | 121 | 54.88% | 77.28% | 89.37% | 97.92% | 117.17% |
| 2017-03-31 | 118 | 53.55% | 75.58% | 87.24% | 96.96% | 113.31% |
| 2016-12-31 | 114 | 53.30% | 73.63% | 87.14% | 97.56% | 114.73% |
| 2016-09-30 | 114 | 54.76% | 74.73% | 87.67% | 98.73% | 114.44% |
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 | 50.57% | 66.95% | 81.60% | 92.60% | 101.79% |
| 2026-03-31 | 1046 | 62.73% | 75.96% | 86.60% | 95.37% | 102.53% |
| 2025-12-31 | 1052 | 63.10% | 75.74% | 87.03% | 95.58% | 103.27% |
| 2025-09-30 | 1049 | 63.83% | 76.23% | 86.63% | 95.24% | 102.72% |
| 2025-06-30 | 154 | 54.19% | 73.22% | 83.77% | 90.18% | 97.78% |
| 2025-03-31 | 157 | 53.46% | 73.39% | 82.62% | 89.60% | 97.61% |
| 2024-12-31 | 158 | 50.55% | 72.39% | 82.69% | 89.66% | 97.32% |
| 2024-09-30 | 158 | 55.18% | 73.63% | 82.75% | 91.00% | 98.33% |
| 2024-06-30 | 155 | 58.52% | 74.25% | 83.36% | 92.45% | 99.92% |
| 2024-03-31 | 157 | 52.03% | 73.25% | 82.88% | 92.87% | 99.28% |
| 2023-12-31 | 158 | 48.40% | 73.69% | 83.07% | 93.23% | 101.33% |
| 2023-09-30 | 156 | 50.96% | 74.84% | 82.70% | 93.67% | 101.27% |
| 2023-06-30 | 156 | 53.87% | 74.57% | 83.73% | 94.61% | 102.92% |
| 2023-03-31 | 160 | 49.64% | 73.52% | 82.90% | 96.31% | 102.60% |
| 2022-12-31 | 158 | 44.87% | 70.96% | 80.96% | 92.14% | 103.09% |
| 2022-09-30 | 158 | 46.03% | 68.16% | 78.99% | 91.12% | 102.32% |
| 2022-06-30 | 159 | 45.76% | 63.61% | 75.82% | 89.52% | 100.68% |
| 2022-03-31 | 160 | 43.15% | 61.37% | 71.71% | 84.51% | 99.75% |
| 2021-12-31 | 160 | 38.88% | 60.48% | 70.79% | 83.66% | 100.86% |
| 2021-09-30 | 162 | 43.06% | 60.40% | 72.41% | 82.04% | 98.05% |
| 2021-06-30 | 160 | 42.81% | 63.48% | 74.16% | 82.89% | 97.88% |
| 2021-03-31 | 158 | 45.18% | 66.82% | 75.83% | 84.61% | 96.37% |
| 2020-12-31 | 151 | 44.01% | 68.99% | 78.61% | 88.20% | 101.07% |
| 2020-09-30 | 151 | 46.01% | 71.29% | 82.06% | 91.21% | 103.35% |
| 2020-06-30 | 148 | 49.54% | 73.49% | 84.47% | 92.22% | 102.13% |
| 2020-03-31 | 144 | 56.78% | 76.57% | 88.50% | 97.82% | 104.49% |
| 2019-12-31 | 140 | 61.17% | 80.02% | 89.83% | 97.43% | 112.30% |
| 2019-09-30 | 143 | 60.00% | 81.03% | 90.63% | 97.52% | 109.03% |
| 2019-06-30 | 141 | 59.18% | 81.81% | 92.05% | 97.75% | 109.75% |
| 2019-03-31 | 141 | 58.83% | 81.49% | 90.96% | 97.46% | 117.38% |
| 2018-12-31 | 137 | 59.23% | 79.93% | 90.00% | 97.41% | 115.74% |
| 2018-09-30 | 138 | 59.46% | 82.30% | 91.97% | 97.89% | 115.74% |
| 2018-06-30 | 134 | 57.64% | 81.05% | 91.31% | 99.29% | 114.79% |
| 2018-03-31 | 132 | 56.72% | 79.76% | 90.20% | 97.17% | 113.64% |
| 2017-12-31 | 123 | 56.23% | 78.28% | 89.84% | 96.87% | 113.56% |
| 2017-09-30 | 125 | 57.03% | 79.07% | 90.74% | 97.96% | 112.56% |
| 2017-06-30 | 121 | 54.88% | 77.28% | 89.37% | 97.92% | 117.17% |
| 2017-03-31 | 118 | 53.55% | 75.58% | 87.24% | 96.96% | 113.31% |
| 2016-12-31 | 114 | 53.30% | 73.63% | 87.14% | 97.56% | 114.73% |
| 2016-09-30 | 114 | 54.76% | 74.73% | 87.67% | 98.73% | 114.44% |
| 2016-06-30 | 112 | 55.78% | 75.93% | 89.02% | 97.96% | 117.30% |
| 2016-03-31 | 109 | 52.67% | 73.37% | 86.80% | 96.40% | 116.38% |
Institution drilldown
Highest reported values
- #1BANK OF JACKSON HOLE TRUST4479.03%
- #2BANK OF LUMBER CITY668.81%
- #3WILMINGTON TRUST NA481.40%
- #4HERITAGE BANK461.73%
- #5JOHN DEERE FINANCIAL FSB314.52%
- #6HATCH BANK266.44%
- #7SQUARE FINL SERVICES INC248.97%
- #8BEAL BANK USA238.96%
- #9PEOPLES CMTY BK SB MONTICELL205.86%
- #10FIRST NB OF AMERICA161.84%
Institution drilldown
Lowest reported values
Institution discovery
Search verified rankings by quarter
4,240 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.