Loan-to-deposit ratio: US bank rankings

500 FDIC-insured banks ranked by loan-to-deposit ratio at Q2 2026, from each bank's Call Report. 1 = highest.

John Deere Financial, f.s.b. ranked first by loan-to-deposit ratio at Q2 2026 with 314.07%, followed by Beal Bank USA (235.72%) and First National Bank of America (160.07%). Rank among 500 banks reporting this metric, 1 = highest; the median bank was at 87.07%. Source: FDIC Call Report data, cross-checked against FFIEC filings.

What changed this quarter (Q1 2026 to Q2 2026)

John Deere Financial, f.s.b. stayed first, at 314.07%
Median: up from 86.30% to 87.07%
Biggest rise in the top 100: Cornerstone Capital Bank, SSB, from 112th to 21st

Highest value

314.07%

John Deere Financial, f.s.b.

Rank 1 of 500 1 = highest

Median bank

87.07%

Middle of the 500 banks ranked

Lowest value

0.00%

First American Trust, FSB

Rank 499 of 500 1 = highest

Banks ranked

500

Every bank in our coverage that reported it

Sparklines: the last ten years (median and count: every quarter of this ranking). Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.

Ranking, Q2 2026

Rank (1 = highest)	Change in rank	Bank	State		Q1 2026
1	same	John Deere Financial, f.s.b.	WI	314.07%	297.59%
2	+15	Beal Bank USA	NV	235.72%	112.27%
3	-1	First National Bank of America	MI	160.07%	161.00%
4	-1	Third Federal Savings and Loan Association of Cleveland	OH	159.03%	152.90%
5	-1	Hingham Institution for Savings	MA	149.33%	148.64%
6	-1	Comenity Bank	DE	139.51%	142.47%
7	-1	MidFirst Bank	OK	131.50%	135.20%
8	-1	Northpointe Bank	MI	129.10%	133.34%
9	same	Institution for Savings in Newburyport and Its Vicinity	MA	126.06%	126.19%
10	same	Ponce Bank	NY	126.05%	125.72%
11	+1	Industrial and Commercial Bank of China USA	NY	121.96%	118.55%
12	-1	Northeast Bank	ME	121.47%	121.76%
13	-5	Merchants Bank of Indiana	IN	120.53%	126.88%
14	-1	Capitol Federal Savings Bank	KS	118.09%	115.80%
15	same	North American Savings Bank, F.S.B.	MO	116.20%	113.45%
16	-2	Celtic Bank	UT	115.37%	114.28%
17	+2	Stearns Bank	MN	114.76%	109.75%
18	+3	Salem Five Cents Savings Bank	MA	111.67%	108.94%
19	+3	Metro City Bank	GA	111.54%	108.70%
20	-2	Medallion Bank	UT	111.11%	112.02%
21	+91	Cornerstone Capital Bank, SSB	TX	109.34%	95.02%
22	+21	1st Security Bank of Washington	WA	107.88%	100.84%
23	+10	Cambridge Savings Bank	MA	107.71%	102.89%
24	-4	First Federal Savings and Loan Association of Lakewood	OH	107.70%	109.57%
25	-2	Unity Bank	NJ	107.49%	107.96%
26	+5	Spencer Savings Bank, SLA	NJ	107.37%	104.28%
27	-1	International Bank of Commerce	TX	107.32%	106.29%
28	-12	BMW Bank of North America	UT	106.94%	112.58%
29	same	Maine Community Bank	ME	106.87%	104.83%
30	-6	One Community Bank	WI	106.69%	107.93%
31	-6	WebBank	UT	106.38%	107.48%
32	+2	Tradition Capital Bank	MN	106.03%	102.58%
33	+23	Bell Bank	ND	105.90%	99.96%
34	-2	Primis Bank	VA	105.67%	104.12%
35	-7	Parkway Bank and Trust Company	IL	104.75%	105.93%
36	+32	Centreville Bank	RI	104.24%	98.80%
37	+18	InterBank	OK	103.22%	99.98%
38	+8	Synchrony Bank	UT	103.18%	100.71%
39	+20	Bristol County Savings Bank	MA	102.58%	99.50%
40	+25	HomeTrust Bank	NC	102.51%	99.13%

Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor. Change in rank compares with Q1 2026. Bars: value relative to the largest in the table.

Who leads the table?

The five banks at the top of the table at Q2 2026 were John Deere Financial, f.s.b. (314.07%, WI), Beal Bank USA (235.72%, NV), First National Bank of America (160.07%, MI), Third Federal Savings and Loan Association of Cleveland (159.03%, OH) and Hingham Institution for Savings (149.33%, MA). 9 of the top 10 were also in the top 10 in Q1 2026. 2 of the top 10 have their head office in Michigan.

How are the values spread?

Half of the 500 banks have a value between 76.27% and 94.27% (the middle two quarters of the table); one in ten is above 100.66% and one in ten below 62.68%. A year earlier, at Q2 2025, the median was 85.84% across 528 banks. The median rose from 86.30% in Q1 2026 to 87.07% in Q2 2026.

15 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): 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%); State Street Bank and Trust Company (16.00%, a trust or card bank by name) and others. Values like these usually come from special-purpose banks, such as trust, custody, credit card or payment banks, whose balance sheets differ from lending banks; compare them with care.

Which of the top 100 banks moved most?

Between Q1 2026 and Q2 2026, of the 500 banks ranked in both quarters, 292 moved up the table, 200 moved down and 8 kept their place; the typical bank moved 14 places.

Largest moves up the table from Q1 2026 to Q2 2026: Cornerstone Capital Bank, SSB (from 112th to 21st; 95.02% to 109.34%); Stride Bank (from 135th to 52nd; 92.74% to 100.61%); First Citizens Community Bank (from 134th to 66th; 92.81% to 99.15%). Largest moves down the table from Q1 2026 to Q2 2026: Cedar Rapids Bank and Trust Company (from 44th to 95th; 100.80% to 95.79%); Axos Bank (from 27th to 62nd; 106.02% to 99.47%); Merrick Bank (from 35th to 67th; 102.30% to 99.14%).

How is this ranking built?

Net loans and leases as a percent of total deposits. Formula: LNLSNET / DEP x 100. Loan-to-deposit ratio values are quarter-end figures from each bank's Call Report for Q2 2026, ranked from highest to lowest (1 = highest).

Full definitions are on the methodology page for loan-to-deposit ratio.

Other US bank rankings

Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. Primary source: FDIC BankFind Suite; cross-check: FFIEC Central Data Repository. Checks: Check A passed, Check B passed.

Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.