BDI

liquidity

Loans to Deposits

Net loans as a percentage of total deposits.

As of Q1 2026FDICLNLSNETFDICDEPSource retrieved 2026-08-01

National median

79.4%

Middle half

65.0%90.4%

Direction

Context dependent

What it means

Why this metric matters

The ratio is a first-pass view of funding and liquidity. Higher values mean more deposits are committed to less-liquid loans.

How it is calculated

Formula and source fields

net_loans / NULLIF(total_deposits, 0) * 100

Source fields: LNLSNET + DEP. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,245 observations · Q1 2026

10th percentile

48.5%

25th percentile

65.0%

Median

79.4%

75th percentile

90.4%

90th percentile

99.6%
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
    WSB Municipal BankNY
    0.0%
  2. 2
    JPMorgan Chase Bank, DearbornMI
    0.0%
  3. 3
    The Bank of New York Mellon Trust Company, National AssociationCA
    0.0%
  4. 4
    First American Trust, FSBCA
    0.0%
  5. 5
    Deutsche Bank Trust Company DelawareDE
    0.0%
  6. 6
    Liberty Bank, Inc.UT
    0.0%
  7. 7
    Edward Jones Trust CompanyMO
    0.0%
  8. 8
    Stifel Trust Company, National AssociationMO
    0.0%
  9. 9
    Credit First National AssociationOH
    0.0%
  10. 10
    DSRM National BankNM
    0.0%

Highest reported values

  1. 1
    The Bank of East Asia Ltd.NY
    2,186.4%
  2. 2
    Wilmington Trust, National AssociationDE
    500.9%
  3. 3
    John Deere Financial, f.s.b.WI
    297.6%
  4. 4
    Bank Of Jackson Hole TrustWY
    221.4%
  5. 5
    Brazos National BankTX
    215.5%
  6. 6
    Square Financial Services, Inc.UT
    212.9%
  7. 7
    Hatch BankCA
    206.6%
  8. 8
    Peoples Community Bank SB of Monticello, IndianaIN
    198.6%
  9. 9
    First National Bank of AmericaMI
    161.0%
  10. 10
    Third Federal Savings and Loan Association of ClevelandOH
    152.9%

Continue exploring

Related metrics

Cash to AssetsSecurities to AssetsAvailable-for-Sale SecuritiesHeld-to-Maturity SecuritiesCore Deposits