Loan-to-deposit ratio: US bank rankings
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.
- 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
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 | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 401 | +23 | National Exchange Bank and Trust | WI | 73.05% | 69.50% | |
| 402 | +15 | The American National Bank of Texas | TX | 72.97% | 70.46% | |
| 403 | -59 | Amboy Bank | NJ | 72.76% | 79.16% | |
| 404 | -12 | First PREMIER Bank | SD | 72.74% | 73.29% | |
| 405 | -36 | Horizon Bank, SSB | TX | 72.74% | 76.71% | |
| 406 | +28 | Stifel Bank | MO | 72.60% | 66.64% | |
| 407 | +9 | Middlesex Savings Bank | MA | 72.54% | 70.51% | |
| 408 | -3 | Citizens Business Bank | CA | 72.44% | 71.34% | |
| 409 | +10 | Intrust Bank | KS | 72.34% | 70.12% | |
| 410 | +3 | First Bank | MO | 72.28% | 70.67% | |
| 411 | -4 | BMO Bank | IL | 71.81% | 71.20% | |
| 412 | +18 | Texas Regional Bank | TX | 71.57% | 67.35% | |
| 413 | +1 | Community National Bank | TX | 71.53% | 70.63% | |
| 414 | +13 | First Hawaiian Bank | HI | 71.46% | 68.64% | |
| 415 | -7 | BNY Mellon | PA | 71.33% | 71.00% | |
| 416 | -12 | Woodforest National Bank | TX | 71.20% | 71.44% | |
| 417 | +8 | Farmers & Merchants Bank of Central California | CA | 71.16% | 69.13% | |
| 418 | -15 | Sunrise Banks | SD | 70.56% | 71.70% | |
| 419 | +4 | The Central Trust Bank | MO | 70.41% | 69.53% | |
| 420 | +6 | Banco do Brasil Americas | FL | 69.92% | 69.04% | |
| 421 | +18 | Home Federal Bank of Tennessee | TN | 69.80% | 65.74% | |
| 422 | +18 | Independence Bank of Kentucky | KY | 69.79% | 65.72% | |
| 423 | -14 | KeyBank | OH | 69.63% | 70.97% | |
| 424 | +4 | Interaudi Bank | NY | 69.60% | 68.24% | |
| 425 | -10 | The Fidelity Bank | NC | 69.19% | 70.61% | |
| 426 | -6 | Wilmington Savings Fund Society, FSB | DE | 68.99% | 70.07% | |
| 427 | -5 | VeraBank | TX | 68.78% | 69.64% | |
| 428 | +13 | ANB Bank | CO | 68.58% | 65.70% | |
| 429 | same | Wells Fargo National Bank West | NV | 68.21% | 67.58% | |
| 430 | +15 | Santander Bank | DE | 67.86% | 64.55% | |
| 431 | +5 | UMB Bank | MO | 67.67% | 65.82% | |
| 432 | +1 | Bank of Hawaii | HI | 67.47% | 66.80% | |
| 433 | +16 | Inwood National Bank | TX | 67.15% | 64.01% | |
| 434 | -2 | BOKF | OK | 67.13% | 66.84% | |
| 435 | -4 | First Security Bank | AR | 66.12% | 66.85% | |
| 436 | +6 | Capital City Bank | FL | 65.58% | 65.47% | |
| 437 | +7 | CB&S Bank, Inc. | AL | 65.33% | 64.90% | |
| 438 | -3 | Security Bank of Kansas City | KS | 64.96% | 66.51% | |
| 439 | +22 | RCB Bank | OK | 64.90% | 60.91% | |
| 440 | -2 | First Interstate Bank | MT | 64.88% | 65.77% | |
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
- Bank equity capital
- Common equity tier 1 (CET1) ratio
- Deposits in domestic offices
- Efficiency ratio
- Full-time equivalent employees
- Total loans and leases (gross)
- Net loans and leases
- Net charge-offs to average loans
- Net income (year to date)
- Net interest margin
- Noncurrent loans to total loans
- Number of offices
- Return on assets (ROA)
- Return on equity (ROE)
- Available-for-sale securities (amortized cost)
- Available-for-sale securities (fair value)
- Held-to-maturity securities (amortized cost)
- Held-to-maturity securities (fair value)
- Total securities
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- Total risk-based capital ratio
- Uninsured share of domestic deposits
- Estimated uninsured deposits
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.