Loan to deposit ratio (LDR): The loan to deposit ratio is how much of a bank’s deposit base has been lent back out.
How it is calculated
Total loans and leases divided by total deposits, at the period end, with loans reported net of unearned income as filed.
Formula
Loan to deposit ratio = total loans and leases / total deposits
What banks reported in Q2 2026
Across every bank that filed for Q2 2026, the median loans to deposits was 80.16%, with the middle half between 65.73% and 90.94%. 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 | 45.12% | 65.63% | 82.79% |
| $100M - $300M | 61.86% | 76.41% | 88.46% |
| $300M - $1B | 69.41% | 81.66% | 91.49% |
| $1B - $3B | 74.35% | 85.35% | 94.92% |
| $3B - $10B | 78.70% | 88.31% | 94.63% |
| $10B - $100B | 75.50% | 84.80% | 90.78% |
| Over $100B | 59.68% | 74.86% | 82.62% |
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
It reads as lending appetite and as liquidity at the same time. A low ratio means the bank has room to lend and is parking money in securities instead. A high one means growth from here has to be funded with something other than the deposits already in the door.
The common mistake. Treating a single number as a limit. There is no regulatory cap, and a bank funding itself with Federal Home Loan Bank advances can run well past 100% on purpose. The comparison that means something is the bank’s own peer group and its own trend.
Go deeper
- What is a good loan to deposit ratio?
- 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, Brokered deposits, Cost of funds, Earning assets.
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.