BDI

efficiency

Deposits per FTE

Total deposits supported by each full-time-equivalent employee.

As of Q1 2026FDICDEPFDICNUMEMPSource retrieved 2026-08-01

National median

$6.14M

Middle half

$4.92M$7.84M

Direction

Higher is favorable

What it means

Why this metric matters

Deposits per FTE is a useful productivity measure for relationship and branch-heavy banks. It shows whether staffing growth is translating into franchise funding.

How it is calculated

Formula and source fields

total_deposits / NULLIF(fte_employees, 0)

Source fields: DEP + NUMEMP. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,225 observations · Q1 2026

10th percentile

$3.93M

25th percentile

$4.92M

Median

$6.14M

75th percentile

$7.84M

90th percentile

$10.3M
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
    SEI Private Trust CompanyPA
    $778
  2. 2
    The Bank of New York Mellon Trust Company, National AssociationCA
    $1.79K
  3. 3
    CIBC National Trust CompanyGA
    $3.72K
  4. 4
    Edward Jones Trust CompanyMO
    $3.94K
  5. 5
    Capital Bank and Trust CompanyCA
    $4.03K
  6. 6
    Credit First National AssociationOH
    $4.42K
  7. 7
    Wilmington Trust, National AssociationDE
    $5.49K
  8. 8
    National Advisors Trust CompanyKS
    $6.25K
  9. 9
    Country Trust BankIL
    $6.33K
  10. 10
    Generations Community BankIN
    $6.38K

Highest reported values

  1. 1
    BMW Bank of North AmericaUT
    $335M
  2. 2
    TD Bank USA, National AssociationDE
    $232M
  3. 3
    Charles Schwab Bank, SSBTX
    $195M
  4. 4
    Morgan Stanley Bank, National AssociationUT
    $194M
  5. 5
    UBS Bank USA, National AssociationUT
    $164M
  6. 6
    Charles Schwab Premier Bank, SSBTX
    $163M
  7. 7
    Morgan Stanley Private Bank, National AssociationNY
    $157M
  8. 8
    Ameriprise Bank, FSBMN
    $130M
  9. 9
    Goldman Sachs Bank USANY
    $114M
  10. 10
    Stifel BankMO
    $112M

Continue exploring

Related metrics

Efficiency RatioNoninterest Expense to AssetsSalaries and Benefits to AssetsOccupancy Expense to AssetsOperating Assets per FTE