Brokered deposits: A brokered deposit is money placed at a bank by a third party rather than by the depositor walking in.
How it is calculated
Reported on Schedule RC-E and shown here as a share of total deposits. The median bank reports none at all, which is why the distribution is mostly zeros with a long tail.
Formula
Brokered share = brokered deposits / total deposits
What banks reported in Q2 2026
Across every bank that filed for Q2 2026, the median brokered share of deposits was 0.00%, with the middle half between 0.00% and 4.32%. The right comparison is almost always the row for the bank’s own size rather than the industry line.
| Bank size (total assets) | Bottom quartile | Median | Top quartile |
|---|---|---|---|
| Under $100M | 0.00% | 0.00% | 0.00% |
| $100M - $300M | 0.00% | 0.00% | 2.41% |
| $300M - $1B | 0.00% | 0.00% | 4.15% |
| $1B - $3B | 0.00% | 1.22% | 7.37% |
| $3B - $10B | 0.00% | 1.97% | 8.83% |
| $10B - $100B | 0.06% | 3.69% | 8.93% |
| Over $100B | 2.58% | 4.75% | 7.79% |
Source: BankingLens, computed from FFIEC call reports for the quarter ending June 30, 2026. Quartiles are calculated across the full population of filing banks in each size band, not sampled. Non-insured non-deposit trust companies are left out of every statistic: they take no deposits and make no loans, so a margin or a funding cost computed for them has no meaning.
How to read it
Brokered money is fast, priced at the national rate, and completely indifferent to the bank holding it. It is a legitimate funding tool and a normal part of a liability strategy. It is also the funding that leaves first, and a bank that is not well capitalized faces hard limits on accepting it.
The common mistake. Reading a zero as conservative funding. Listing services and reciprocal deposit networks fund a great deal of the industry and are reported separately, so a bank with no brokered deposits at all can still be funding itself with rate sensitive money.
Go deeper
- What is a good cost of funds for a bank?
- BankingLens pricing and what a subscription adds: percentile rank against the bank’s own FFIEC peer group, fourteen quarters of trend, and the flags an examiner reaches for first.
See also. Core deposits, Uninsured deposits, Cost of deposits, Well capitalized.
Every figure on this page is computed from FFIEC call reports for the quarter ending June 30, 2026 and is not modeled, estimated or sampled. This page is generated by _tools/seo/build_glossary.mjs and carries no figure that was typed in. See our methodology and disclaimer. Definitions are general guidance, not regulatory or investment advice.