Loan-to-deposit ratio: US bank rankings
John Deere Financial, f.s.b. has the highest loan-to-deposit ratio of the 500 US banks ranked at , at 314.07%, ahead of Beal Bank USA (235.72%) and First National Bank of America (160.07%). Median loan-to-deposit ratio: 87.07%. Source: FDIC Call Reports.
Key takeaways
- The median loan-to-deposit ratio rose to 87.07% from 86.30% between and (FDIC Call Report data).
- Median loan-to-deposit ratio by size: 88.61% for banks $1 bn to $10 bn, against 72.53% for banks over $100 bn (, FDIC Call Reports).
- 3 banks entered the top 25 by loan-to-deposit ratio in , including Cornerstone Capital Bank, SSB at 21st (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = highest. Change: places since .
How is loan-to-deposit ratio distributed?
The middle half of the loan-to-deposit ratio table: between 76.27% and 94.27%. Top tenth of loan-to-deposit ratio: above 100.66%; bottom tenth: below 62.68%. Far from the rest on loan-to-deposit ratio: John Deere Financial, f.s.b. (314.07%); Beal Bank USA (235.72%); First National Bank of America (160.07%); Third Federal Savings and Loan Association of Cleveland (159.03%); Hingham Institution for Savings (149.33%), and 10 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 76.27% | 87.07% | 94.27% |
| $1 bn to $10 bn | 339 | 78.55% | 88.61% | 95.15% |
| $10 bn to $100 bn | 126 | 76.58% | 85.69% | 91.17% |
| Over $100 bn | 32 | 48.19% | 72.53% | 82.75% |
What changed since Q1 2026?
Into the top 25: Cornerstone Capital Bank, SSB (from 112th), 1st Security Bank of Washington (from 43rd), Cambridge Savings Bank (from 33rd). Out of it: BMW Bank of North America (to 28th), One Community Bank (to 30th), WebBank (to 31st).
Biggest climbs: Arrow Bank (269th to 130th); United Business Bank (221st to 123rd); Cornerstone Capital Bank, SSB (112th to 21st); Cornerstone Bank (286th to 201st); American Momentum Bank (270th to 186th).
Biggest drops: Sunflower Bank (78th to 271st); Bankers Trust Company (62nd to 224th); Georgia Banking Company (51st to 211th); CTBC Bank Corp. (USA) (100th to 250th); Columbia Bank (89th to 236th).
How the loan-to-deposit ratio ranking is built
The loan-to-deposit ratio is net loans and leases divided by total deposits, times 100, calculated by EconoMonitor (LNLSNET / DEP); it agrees with the FDIC's own ratio. A high ratio means a bank lends out more of its deposits and relies more on other funding; a low ratio means it holds more securities and cash. Caveats: trust, custody and payment banks hold deposits they do not lend and show very low ratios; credit card banks fund themselves through securitization and can exceed 100%.
Formula: LNLSNET / DEP x 100. Full definition.
Questions
Which US bank has the highest loan-to-deposit ratio?
John Deere Financial, f.s.b., at 314.07% at , among 500 banks reporting it.
What is the median loan-to-deposit ratio of US banks?
87.07% at , against 86.30% at .
How is loan-to-deposit ratio measured?
Net loans and leases as a percent of total deposits. Formula: LNLSNET / DEP x 100.
When does the loan-to-deposit ratio ranking change?
Quarterly. figures come after .
Other US bank rankings
Size and balance sheet: Total assets, Total deposits, Net loans and leases, Total securities, Deposits in domestic offices, Total loans and leases (gross)
Capital: CET1 ratio, Tier 1 leverage ratio, Total risk-based capital ratio, Bank equity capital, Total equity capital
Profitability: Return on equity (ROE), Return on assets (ROA), Net interest margin, Efficiency ratio, Net income (year to date)
Asset quality: Noncurrent loans to total loans, Net charge-offs to average loans
Deposits at risk: Uninsured share of domestic deposits, Estimated uninsured deposits
Securities: Available-for-sale securities (fair value), Available-for-sale securities (amortized cost), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value)
Staff and branches: Full-time equivalent employees, Number of offices