BDI

liquidity

Core Deposit Ratio

Core deposits as a percentage of total deposits.

As of Q1 2026FDICCOREDEPFDICDEPSource retrieved 2026-08-01

National median

89.33%

Middle half

83.27%93.60%

Direction

Higher is favorable

What it means

Why this metric matters

The ratio estimates how much funding comes from the relationship base. A higher value often implies less dependence on price-sensitive or market funding.

How it is calculated

Formula and source fields

(extended ->> 'COREDEP')::numeric / NULLIF(total_deposits, 0) * 100

Source fields: COREDEP + DEP. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

74.97%

25th percentile

83.27%

Median

89.33%

75th percentile

93.60%

90th percentile

96.63%
Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    JPMorgan Chase Bank, DearbornMI
    0.00%
  2. 2
    Deutsche Bank Trust Company DelawareDE
    0.00%
  3. 3
    Credit First National AssociationOH
    0.00%
  4. 4
    DSRM National BankNM
    0.00%
  5. 5
    Thrivent Trust CompanyWI
    0.00%
  6. 6
    Fidelity Personal Trust Company, FSBNH
    0.00%
  7. 7
    SEI Private Trust CompanyPA
    0.00%
  8. 8
    MassMutual Private Wealth & Trust, FSBMA
    0.00%
  9. 9
    Northwestern Mutual Wealth ManagementWI
    0.00%
  10. 10
    Everence Trust CompanyIN
    0.00%

Highest reported values

  1. 1
    Liberty Bank of New JerseyNJ
    100.00%
  2. 2
    Generations Community BankIN
    100.00%
  3. 3
    Varo Bank, National AssociationUT
    100.00%
  4. 4
    Square Financial Services, Inc.UT
    100.00%
  5. 5
    Charles Schwab Trust BankTX
    100.00%
  6. 6
    Infinity BankCA
    100.00%
  7. 7
    Stifel Trust Company Delaware, National AssociationDE
    100.00%
  8. 8
    Community Bank of Pleasant HillMO
    100.00%
  9. 9
    BMO Harris Central National AssociationIL
    100.00%
  10. 10
    HSBC Trust Company (Delaware), National AssociationDE
    100.00%

Continue exploring

Related metrics

Loans to DepositsCash to AssetsSecurities to AssetsAvailable-for-Sale SecuritiesHeld-to-Maturity Securities