Deposits, all commercial banks, United States
Deposits, all commercial banks in the United States was $19,636.9 bn in , up 0.5% from and up 6.7% from a year earlier. Over the latest 12 readings it moved between $18,472.8 bn and $19,636.9 bn. The next reading is for October 2026. Source: Federal Reserve Board, H.8; history from .
Key takeaways
- Deposits, all commercial banks at $19,636.9 bn in beats 100% of readings since (Federal Reserve Board).
- Against a ten-year average of $15,706.5 bn, deposits, all commercial banks is above that norm by $3,930.4 bn (Federal Reserve Board).
- Deposits, all commercial banks has risen for 21 readings in a row up to (Federal Reserve Board).
What this indicator is and why it matters
Deposits, all commercial banks, is the total of checking, savings and time deposits held at commercial banks in the United States, including US branches of foreign banks, from the Federal Reserve's H.8 release. The series here is the seasonally adjusted monthly average of the weekly estimates.
Deposits are banks' cheapest and most stable funding, so their path shapes how much banks can lend and what they must pay for money. They surged in 2020 and 2021 as government support and Federal Reserve asset purchases added cash to the system, then fell in 2022 and 2023 as the Fed shrank its balance sheet and savers moved money into Treasury bills and money market funds paying higher rates. The bank failures of March 2023 showed how quickly uninsured deposits can leave a single bank.
The total does not show who holds the deposits or whether they are insured; the uninsured share of each bank's deposits, from its Call Report, is ranked separately on this site. The weekly estimates are revised when quarterly Call Report data arrive, and large time deposits, which behave more like market funding, are included alongside retail accounts.
Where it sits in history
Deposits, all commercial banks is at its highest since the series starts in . Within ten years, deposits, all commercial banks beats 100% of readings.
| Window | Latest is higher than | Average | Highest | Lowest |
|---|---|---|---|---|
| Since January 2006 | 100% of readings | $11,934.8 bn | $19,636.9 bn | $5,641.4 bn |
| Last ten years | 100% of readings | $15,706.5 bn | $19,636.9 bn | $11,378.5 bn |
| Last five years | 100% of readings | $18,008.4 bn | $19,636.9 bn | $17,231.5 bn |
- Deposits, all commercial banks $19,637bn
Recent readings
Last five years
- Deposits, all commercial banks $19,637bn
Latest readings
| Period | Value | Change from previous |
|---|---|---|
| $19,636.9 bn | +0.5% | |
| $19,542.4 bn | +0.7% | |
| $19,411.5 bn | +0.3% | |
| $19,361.3 bn | +0.5% | |
| $19,273.4 bn | +1.0% | |
| $19,084.0 bn | +0.7% | |
| $18,952.9 bn | +0.7% | |
| $18,817.8 bn | +0.8% | |
| $18,667.6 bn | +0.4% | |
| $18,587.4 bn | +0.4% | |
| $18,505.7 bn | +0.2% | |
| $18,472.8 bn | +0.3% | |
| $18,411.6 bn | +0.4% |
Annual averages
By calendar-year average, deposits, all commercial banks peaked in ($18,245.3 bn) and bottomed in ($5,856.0 bn). 2026 to date: $19,194.2 bn, after $18,245.3 bn in 2025.
| Year | Average | Low | High | Readings |
|---|---|---|---|---|
| 2026 (part year) | $19,194.2 bn | $18,667.6 bn | $19,636.9 bn | 9 |
| 2025 | $18,245.3 bn | $17,933.3 bn | $18,587.4 bn | 12 |
| 2024 | $17,637.1 bn | $17,453.7 bn | $17,851.4 bn | 12 |
| 2023 | $17,384.8 bn | $17,231.5 bn | $17,726.7 bn | 12 |
| 2022 | $17,970.8 bn | $17,742.6 bn | $18,127.3 bn | 12 |
| 2021 | $17,153.6 bn | $16,191.6 bn | $17,909.6 bn | 12 |
| 2020 | $15,038.5 bn | $13,286.5 bn | $16,030.3 bn | 12 |
| 2019 | $12,799.2 bn | $12,470.9 bn | $13,196.0 bn | 12 |
| 2018 | $12,178.4 bn | $11,993.7 bn | $12,404.2 bn | 12 |
| 2017 | $11,766.1 bn | $11,533.7 bn | $11,974.7 bn | 12 |
| 2016 | $11,249.9 bn | $10,960.1 bn | $11,472.1 bn | 12 |
| 2015 | $10,770.3 bn | $10,520.8 bn | $10,959.0 bn | 12 |
| 2014 | $10,176.1 bn | $9,866.7 bn | $10,471.4 bn | 12 |
| 2013 | $9,489.1 bn | $9,255.9 bn | $9,804.4 bn | 12 |
| 2012 | $8,806.6 bn | $8,491.4 bn | $9,252.3 bn | 12 |
| 2011 | $8,206.9 bn | $7,896.6 bn | $8,428.1 bn | 12 |
| 2010 | $7,751.7 bn | $7,676.9 bn | $7,885.4 bn | 12 |
| 2009 | $7,472.8 bn | $7,259.4 bn | $7,693.7 bn | 12 |
| 2008 | $6,926.9 bn | $6,709.6 bn | $7,221.1 bn | 12 |
| 2007 | $6,371.7 bn | $6,144.0 bn | $6,678.6 bn | 12 |
| 2006 | $5,856.0 bn | $5,641.4 bn | $6,103.3 bn | 12 |
Link to US banks
Deposits are the main funding of US banks; when deposits, all commercial banks shifts, so does that funding. Median uninsured share of domestic deposits, 500 US banks we cover: 35.05% at Q2 2026; deposits, all commercial banks: $19,636.9 bn in . Uninsured share of domestic deposits ranking.
How is it measured?
Deposits at all commercial banks in the US, seasonally adjusted, monthly average.
Federal Reserve Board publishes deposits, all commercial banks monthly in H.8, in USD and is seasonally adjusted. Code: B1058NCBAM. Monthly basis: each month shows the average of the daily values in that month. Method for deposits, all commercial banks.
Questions
How high is deposits, all commercial banks in the United States now?
$19,636.9 bn in (Federal Reserve Board), up 6.7% on a year earlier.
Is deposits, all commercial banks high by historical standards?
Deposits, all commercial banks beats 100% of readings since ; its peak was $19,636.9 bn (), its low $5,641.4 bn ().
When is deposits, all commercial banks updated?
Monthly, in H.8. Next reading: October 2026.
Where can I check deposits, all commercial banks at the source?
Federal Reserve Board data, code B1058NCBAM.