How is the loans to deposits ranking built?

Banks are ranked by loans to deposits (Ratio), lowest value first, within the cohort defined by the page's filters (state, peer cohort, asset band, institution status, minimum filing history). Missing values are excluded, never converted to zero.

What population does this ranking cover?

1,048 institutions for 20260630, sourced from FDIC BankFind Financials API. Ties resolve by FDIC certificate for deterministic display.

Rankings

Ranked, not rated

Rankings are arithmetic views of comparable published fields—not regulatory ratings, causal findings, or investment recommendations.

Total assets Return on assets Net interest margin Equity to assets Liquid assets

MetricPeriodPeer cohortStateAssetsMinimum historyInstitution status

1,048 constituents

Loans to deposits

Ratio · lowest first · missing values excluded

Loans to deposits ranking for 20260630. Filters are encoded in this page URL.
Rank	Institution	Reported value	Percentile	Prior-period rank	Movement explanation
#1	BANK OF NY MELLON TR CO NAFDIC #23472 · CA	0.00%	100.0th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#2	FIRST AMERICAN TRUST FSBFDIC #26312 · CA	0.00%	99.9th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#3	GREENE CNTY COMMERCIAL BANKFDIC #57710 · NY	0.00%	99.8th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#4	CHARLES SCHWAB TRUST BANKFDIC #59108 · TX	0.00%	99.7th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#5	CHARLES SCHWAB PREMIER BK SSFDIC #33497 · TX	0.00%	99.6th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#6	SUMITOMO MITSUI TR BK U SAFDIC #27054 · NJ	0.01%	99.5th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#7	GREEN DOT BK DBA BONNEVILLEFDIC #22653 · UT	0.81%	99.4th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#8	EREBOR BANK N AFDIC #59378 · OH	1.92%	99.3th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#9	JONESBORO STATE BANKFDIC #9325 · LA	6.29%	99.2th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#10	AMERIPRISE BANK FSBFDIC #58303 · MN	10.99%	99.1th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#11	BESSEMER TRUST COFDIC #20015 · NJ	11.17%	99.0th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#12	CHAIN BRIDGE BANK NAFDIC #58595 · VA	13.67%	98.9th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#13	WESTAMERICA BANKFDIC #3430 · CA	14.00%	98.9th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#14	BANK OF UTICAFDIC #13397 · NY	14.37%	98.8th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#15	BANK OF NEW YORK MELLONFDIC #639 · NY	16.39%	98.7th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#16	STATE STREET BANK&TRUST COFDIC #14 · MA	19.01%	98.6th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#17	UNION COUNTY SAVINGS BANKFDIC #12013 · NJ	22.86%	98.5th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#18	MIZUHO BANK USAFDIC #21843 · NY	23.04%	98.4th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#19	COLUMN NATIONAL ASSNFDIC #58224 · UT	23.45%	98.3th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#20	EL DORADO SAVINGS BANK FSBFDIC #30953 · CA	23.61%	98.2th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#21	SAFRA NB OF NEW YORKFDIC #26876 · NY	25.37%	98.1th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#22	TEXAS EXCHANGE BANKFDIC #20099 · TX	26.23%	98.0th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#23	FARMERS&MERCHANTS BANKFDIC #16810 · NE	26.29%	97.9th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#24	SUTTON BANKFDIC #5962 · OH	29.76%	97.8th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#25	CHARLES SCHWAB BANK SSBFDIC #57450 · TX	29.87%	97.7th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#26	CONVERSE COUNTY BANKFDIC #12591 · WY	31.47%	97.6th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#27	TD BANK USA NATIONAL ASSNFDIC #33947 · DE	32.06%	97.5th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#28	PRINCIPAL BANKFDIC #34507 · IA	32.32%	97.4th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#29	BESSEMER TRUST CO NAFDIC #21868 · NY	32.67%	97.3th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#30	BANK OF LABORFDIC #1874 · KS	35.15%	97.2th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#31	INTERNATIONAL BK OF COMFDIC #25679 · TX	40.20%	97.1th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#32	HSBC BANK USA NATIONAL ASSNFDIC #57890 · VA	41.06%	97.0th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#33	FIRST FEDERAL BANKFDIC #31313 · FL	41.67%	96.9th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#34	MORGAN STANLEY BANK NAFDIC #32992 · UT	42.02%	96.8th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#35	THREAD BANKFDIC #9499 · TN	42.13%	96.8th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#36	AMERICAN HERITAGE BANKFDIC #4190 · OK	43.41%	96.7th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#37	CRESCENT BANKFDIC #33492 · LA	44.24%	96.6th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#38	FIRST STATE BANK OF UVALDEFDIC #9978 · TX	45.90%	96.5th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#39	LEAD BANKFDIC #8283 · MO	46.11%	96.4th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#40	BANCO POPULAR DE PUERTO RICOFDIC #34968 · PR	47.62%	96.3th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#41	SMBC MANUBANKFDIC #18618 · CA	48.23%	96.2th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#42	FIRST TEXAS BANKFDIC #11935 · TX	49.45%	96.1th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#43	MONET BANKFDIC #32574 · TX	49.76%	96.0th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#44	USAA FEDERAL SAVINGS BANKFDIC #32188 · AZ	50.25%	95.9th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#45	UNITED BANKFDIC #172 · GA	50.29%	95.8th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#46	GOLDMAN SACHS BANK USAFDIC #33124 · NY	50.63%	95.7th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#47	SECURITY FEDERAL BANKFDIC #31100 · SC	50.78%	95.6th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#48	FIRST NB&T CO OF NEWTOWNFDIC #7658 · PA	50.79%	95.5th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#49	FIRST GUARANTY BANKFDIC #14028 · LA	50.95%	95.4th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule
#50	CAPRA BANKFDIC #16363 · IA	50.97%	95.3th 0th50th100th	Unavailable	Prior value unavailable under the current cohort rule

Cohort contract

Every rank has a denominator.

Population: 1,048 banks. State: all. Peer: all. Asset band: all. Status: active institutions only. Minimum history: 1 filing. Ties resolve by FDIC certificate for deterministic display; missing values are excluded, never converted to zero.

Citation-ready view

OptimaYield, Loans to deposits, 20260630, 1048 institutions, sourced from FDIC BankFind Financials API. Retrieved 8/27/2026.