Noninterest-bearing deposits: Noninterest-bearing deposits are balances a bank pays nothing on, mostly business operating accounts.
How it is calculated
Reported on Schedule RC as noninterest bearing deposits in domestic offices. BankingLens shows them as a share of total deposits.
Formula
Noninterest-bearing share = noninterest-bearing deposits / total deposits
What banks reported in Q2 2026
Across every bank that filed for Q2 2026, the median noninterest-bearing share of deposits was 20.98%, with the middle half between 15.03% and 27.73%. 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 | 15.62% | 23.11% | 30.29% |
| $100M - $300M | 15.28% | 21.63% | 28.15% |
| $300M - $1B | 15.08% | 20.55% | 27.20% |
| $1B - $3B | 14.18% | 19.52% | 25.77% |
| $3B - $10B | 15.04% | 20.12% | 27.79% |
| $10B - $100B | 15.90% | 23.17% | 28.37% |
| Over $100B | 0.78% | 20.26% | 25.52% |
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
This single line explains most of the difference between a cheap bank and an expensive one. Operating accounts, escrow, payroll, title and trust balances sit still because they are there to be used rather than to earn a rate, and a bank with a lot of them funds itself at a fraction of what its neighbor pays.
The common mistake. Assuming the share is stable. It fell hard across the industry after 2022 as depositors moved idle balances into accounts that pay, so a bank’s own direction matters more than where it sits today.
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, Cost of deposits, Deposit beta, Net interest spread.
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.