Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026
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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

Free calculator · bank treasury, CFO, ALCO

Maturity wall refinancing calculator

See how much of a bank's time deposits mature within a year and what rolling them over, or replacing what runs off, would add to interest cost. No account or key needed. Every number is labelled filed, derived, or assumed.

Example

EVERBANK NATIONAL ASSN has $7.03B of time deposits (91% of its CDs) maturing within 12 months. Assuming 80% renew at 3.63% and the rest is replaced at 3.88%, interest cost changes by about −$4.5M a year at run rate (−1.0 bp of assets) and −$2.4M over the next 12 months, against a current time-deposit cost of 3.74%. Inputs: Share of maturing deposits that renew: 80; Renewal rate: source-derived; Replacement funding spread over Fed funds: 25.

Maturity wall refinancing calculator

See how much of a bank's time deposits mature within a year and what rolling them over, or replacing what runs off, would add to interest cost.

EVERBANK NATIONAL ASSN · FDIC #34775Example bank. Search above to use yours.

How much of the time deposits maturing within 12 months stay with the bank. The rest runs off and is replaced with other funding.
The rate you expect to pay on renewing time deposits. Leave empty to use the current Fed funds rate as a reference; the scenario table shows other reference rates.
What you would pay above the Fed funds rate to replace deposits that run off, in basis points.

EVERBANK NATIONAL ASSN has $7.03B of time deposits (91% of its CDs) maturing within 12 months. Assuming 80% renew at 3.63% and the rest is replaced at 3.88%, interest cost changes by about −$4.5M a year at run rate (−1.0 bp of assets) and −$2.4M over the next 12 months, against a current time-deposit cost of 3.74%.

Time deposits
$7.72BFiled
Maturing within 12 months
$7.03BFiled
Share of time deposits maturing within 12 months
91.08%Derived
Current time-deposit cost · Schedule RI interest over Schedule RC-K average balances, latest quarter annualized
3.74%Derived
Share assumed to renew
80.00%Assumed
Renewal rate used · Reference only: the current Fed funds rate, since no renewal rate was entered
3.63%Assumed
Replacement funding rate · Fed funds plus the spread you set
3.88%Assumed
Balances renewing
$5.62BDerived
Balances running off
$1.41BDerived
Cost of renewing, annual run rate
−$6.4MDerived
Cost of replacing runoff, annual run rate
$1.9MDerived
Total change in annual interest cost, run rate
−$4.5MDerived
Total run-rate change, basis points of assets
−1.0 bpDerived
Change in interest cost over the next 12 months
−$2.4MDerived
Time deposits by remaining maturity (ladder)
Remaining maturity$250,000 or lessMore than $250,000TotalShare of time deposits
3 months or less$1.72B$630.8M$2.35B30.46%
Over 3 months through 12 months$3.14B$1.54B$4.68B60.62%
Over 1 year through 3 years$416.6M$145.4M$562.0M7.28%
Over 3 years$98.5M$27.4M$125.9M1.63%
Repricing scenarios for balances maturing within 12 months
Renewal rate scenarioRateAnnual cost vs todayBasis points of assets
FDIC national 12-month CD average (2026-09)1.73%−$111.3M−23.8 bp
Fed funds rate (2026-08)3.63%−$4.5M−1.0 bp
2-year Treasury yield (2026-09-24)4.87%$65.2M+14.0 bp
Download CSVView JSON

Filed: Reported directly in the bank's FFIEC Call Report. Derived: Calculated by OptimaYield from filed figures using the method described below. Assumed: An assumption you entered or a scenario input, not a reported figure.

This is a scenario built from the assumptions above, not a recommendation, price target, or regulatory conclusion.

How it is calculated

Schedule RC-E reports time deposits in four remaining-maturity buckets (3 months or less; over 3 through 12 months; over 1 through 3 years; over 3 years), separately for deposits of $250,000 or less and more than $250,000. The two tiers reconcile exactly to the reported time-deposit totals. The wall is the first two buckets: balances that reprice within 12 months.

The current cost of time deposits is Schedule RI time-deposit interest for the latest quarter, annualized, over the Schedule RC-K average balance, using the same single-quarter convention as the rest of OptimaYield; for banks whose prior quarter is not on file it is year-to-date income annualized, which is labelled in the result. Call Reports report no rate by maturity bucket, so this is the portfolio average.

Cost of the wall = renewing balances × (renewal rate − current cost) + balances that run off × (replacement rate − current cost). Run rate is the full-year effect once everything has repriced. The next-12-months figure weights the 3-months-or-less bucket at 10.5 of 12 months and the 3-to-12-month bucket at 4.5 of 12 months, assuming balances mature evenly within each bucket. Positive means higher interest cost.

No market rate is assumed. The scenario table prices the wall at labelled reference rates (FDIC national 12-month CD average, Fed funds, 2-year Treasury yield) and at your own rate if you enter one.

What it does not do

  • Maturing deposits are not the whole portfolio: they were priced at different times, so their own cost can differ from the portfolio average used here. Adjust the renewal rate to reflect that.
  • Retention is your assumption, not a prediction of customer behavior. Retail, brokered, and listing-service balances behave differently and Call Reports do not separate them within these buckets.
  • Balances maturing beyond 12 months are shown in the ladder but not costed. Early withdrawals, rate-driven mix shifts into other products, and new deposit growth are not modelled.
  • The FDIC national rate is an average across all banks and is usually well below competitive offers. Treat reference rates as benchmarks, not forecasts of what you will pay.
  • Static first-order estimate from filed balances; it is not a funding plan or a net interest income forecast.

Sources

Reviewed 2026-09-30 · definition version 1

Questions and answers

What is a maturity wall?

A maturity wall is a concentration of time deposits that mature in a short window, forcing the bank to renew them at current rates or replace them with other funding. This calculator measures the balances maturing within 12 months and prices the cost of rolling them.

How is the cost of the wall calculated?

Renewing balances cost the difference between the renewal rate and the current time-deposit cost. Balances that run off are replaced at Fed funds plus a spread you choose. The sum is the annual run-rate change in interest cost, shown in dollars and in basis points of assets.

Where does the maturity data come from?

The remaining-maturity balances are reported by every bank in Schedule RC-E of its Call Report, split between deposits of $250,000 or less and deposits over $250,000. No rate is reported by bucket, so the current cost comes from Schedule RI interest and Schedule RC-K average balances.

Why does the calculator not assume a market rate?

Competitive CD rates vary by bank, term, and week, and no public filing reports them by maturity. The tool prices the wall at labelled reference rates and at the rate you enter, so you choose the assumption.

Use it from code or an AI assistant

The same calculation is available as a free JSON and CSV API, an OpenAPI description, and a remote MCP server, so analysts, scripts, and AI assistants get identical numbers.

curl "https://www.optimayield.com/api/tools/maturity-wall-refinancing/run?certificate=34775"