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
41	+38	Hills Bank and Trust Company	IA	102.21%	97.74%
42	+16	Wells Fargo Bank South Central	TX	102.12%	99.51%
43	-7	Leader Bank	MA	101.89%	102.29%
44	+26	Sunwest Bank	UT	101.85%	98.54%
45	+37	Liberty Bank	CT	101.81%	97.44%
46	+25	First Community Bank	AR	101.76%	98.43%
47	+10	Kearny Bank	NJ	101.73%	99.84%
48	-10	Provident Bank	NJ	101.30%	101.69%
49	-9	Needham Bank	MA	101.26%	101.49%
50	same	BankNewport	RI	100.92%	100.48%
51	-21	Northern Bank & Trust Company	MA	100.66%	104.40%
52	+83	Stride Bank	OK	100.61%	92.74%
53	-12	Meridian Bank	PA	100.52%	101.18%
54	-7	Oakstar Bank	MO	100.46%	100.63%
55	-16	Avidia Bank	MA	100.12%	101.51%
56	-14	First Bank	NJ	100.08%	100.95%
57	+3	Bridgewater Bank	MN	100.00%	99.45%
58	-10	Southern First Bank	SC	99.81%	100.61%
59	+36	SoFi Bank	UT	99.75%	96.53%
60	-15	Union Savings Bank	OH	99.73%	100.77%
61	-24	PeoplesBank	MA	99.66%	101.94%
62	-35	Axos Bank	CA	99.47%	106.02%
63	-11	ConnectOne Bank	NJ	99.43%	100.23%
64	+45	Cornerstone Bank	MA	99.39%	95.22%
65	-16	Bank of Utah	UT	99.24%	100.61%
66	+68	First Citizens Community Bank	PA	99.15%	92.81%
67	-32	Merrick Bank	UT	99.14%	102.30%
68	+9	Fidelity Bank	KS	99.12%	97.97%
69	-5	Univest Bank and Trust Co.	PA	98.97%	99.18%
70	-1	Chemung Canal Trust Company	NY	98.87%	98.58%
71	+4	PCB Bank	CA	98.86%	98.09%
72	+68	Ocean Bank	FL	98.75%	92.34%
73	+8	First Business Bank	WI	98.68%	97.59%
74	-8	Great Southern Bank	MO	98.61%	99.02%
75	-14	BCB Community Bank	NJ	98.56%	99.37%
76	+14	Ameris Bank	GA	98.26%	96.83%
77	+36	ServisFirst Bank	AL	98.20%	94.99%
78	+25	Machias Savings Bank	ME	98.18%	95.59%
79	+13	Dedham Institution for Savings	MA	98.14%	96.76%
80	-4	Southern Bank	MO	98.13%	97.98%

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.